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HomeStart home loans

Compare home loan rates from HomeStart Finance.

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On this page you can find information about HomeStart Finance home loans. Skip ahead to the full table of products or read more about the lender.

Compare HomeStart Finance home loans

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & InterestInterest only3% min. deposit
Interest Rate
9.39%
Comparison Rate
8.58%
Fees
Application: $845
Ongoing: $0 p.a.
Monthly Payment
$1,250
Principal & InterestInterest only 3Y Fixed2% min. deposit
Interest Rate
7.19%
Comparison Rate
8.13%
Fees
Application: $845
Ongoing: $0 p.a.
Monthly Payment
$1,018
Principal & InterestInterest only2% min. deposit
Interest Rate
8.39%
Comparison Rate
8.47%
Fees
Application: $845
Ongoing: $0 p.a.
Monthly Payment
$1,143
Principal & InterestInterest only 3Y Fixed5% min. deposit
Interest Rate
7.19%
Comparison Rate
8.13%
Fees
Application: $845
Ongoing: $0 p.a.
Monthly Payment
$1,018
Principal & InterestInterest only 2Y Fixed5% min. deposit
Interest Rate
7.49%
Comparison Rate
8.29%
Fees
Application: $845
Ongoing: $0 p.a.
Monthly Payment
$1,049
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HomeStart Finance lender profile

  • Created by the South Australian Government in 1989, HomeStart offers home loans with less upfront costs, a lower initial deposit and an innovative repayment system that keeps monthly payments at a stable amount despite changes in variable interest rates. It's a for-profit service, but also has an ethic of social responsibility.
  • HomeStart Finance is not a Bank, it is a State Government organisation that is 100% focused on providing home loans for South Australians.
  • This lender offers other financial products such as existing home, build, refinance, or buy land now and build later.

How do I apply for a HomeStart Finance mortgage?

If you'd like to apply for a home loan from HomeStart Finance, please contact the lender directly.

Eligibility

Each HomeStart Finance product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with HomeStart Finance you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

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