Homestar Star Gold Variable home loan

Homestar’s Star Gold Variable home loan offers a low interest rate, minimal fees and a 100% offset account.

The Homestar Star Gold Variable home loan combines one of the market's lowest variable interest rates with a 100% offset account, flexible repayments and minimal fees. The loan does have an application fee and you can only get it with a large deposit.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

This loan is a really good option for borrowers who have saved very large deposits because you need a 40% deposit to get it. Most borrowers in Australia don't have that much. That makes this loan well-suited to refinancers who have had their loans for a while. If you've built up 40% home equity, you can get this very low rate. A 100% offset account also makes this loan very useful if you need somewhere to put your savings and pay less interest.

About this loan

What are the features and benefits of the Homestar Star Gold Variable home loan?

  • You need a big deposit. With this loan, you can only borrow up to 60% of your property's value.
  • Loan amount. You can borrow up to $850,000, and your loan must be at least $250,000 in size.
  • Offset account. With a 100% offset account, this loan lets you save money in the account and offset your loan principal, meaning you can pay less interest while still having access to your cash.
  • Split and redraw. With this loan, you can split the loan up to four times into fixed and variable portions. You can also make extra repayments and then redraw them if needed.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to speak to a mortgage specialist from Homestar. They'll explain any eligibility requirements and help you get started with your application.

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