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Homestar Gold Fixed Home Loan

The Homestar Gold Fixed home loan is a very competitive fixed rate loan that's only for refinancers with 40% equity.

The Gold Home Loan from Homestar is a fixed rate loan with principal-and-interest repayments. The loan has a very low fixed rate. You must be refinancing an existing mortgage to qualify for this product.

Product NameHomestar Star Gold
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$150,000
Maximum Loan Amount$500,000
Minimum Loan Term10 years
Maximum Loan Term30 years
Maximum LVR60%
Maximum Insured LVR60%
Mortgage Offset AccountNo
Mortgage 100% OffsetNo
Loan Redraw FacilityNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentNo
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest
Application Fee$0
Lender's Legal Fee$284 plus disbursements
Valuation Fee$248
Ongoing Fees$395 p.a.
Settlement Fee$0
Discharge Fee$535


  • Low fixed rate.
  • Flexible repayments.


  • Requires a large deposit/equity.
  • Refinance only.
  • This loan has several fees.

What do I need to know about this loan?

The loan has a maximum insured LVR of 60%, meaning you will need a 40% deposit (or rather, equity).

What are the features and benefits of the Homestar Gold Home Loan?

  • Loan amount. You can borrow up to $500,000 with this loan.
  • Purpose. This product is available for home buyers (owner-occupiers) only, not investors. However it's not for new home buyers but for existing home buyers looking to refinance their loan.
  • Deposit size. You can borrow up to 60% of your property's value, meaning you will need a 40% deposit. This is what makes the loan suitable for refinancers who have already built equity.
  • Other features. The loan has no redraw facility but does allow loan splits. You can also make extra repayments.

What fees and charges come with this loan?

The Homestar Gold Home Loan has several fees you should be aware of.

  • Service fee: $395. This fee is charged annually.
  • Legal fee: $284 plus disbursements. This fee covers the legal costs with processing the loan.
  • Valuation fee: $248. This fee covers the cost to have your property valued.
  • Discharge fee: $535. You pay this fee when exiting the loan.

How do I apply for this loan?

To apply for this product or to get more information, click the green button and follow the application process to speak to a mortgage specialist from Homestar. They'll talk you through eligibility requirements and assist you with the application.

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Homestar Star Gold

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $395

  • Max LVR


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