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Simple to Understand Home Loans Products |
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homestar™ Fleximax Loan
A fully featured variable rate loan that let's you access one of the lowest rates available in the market. For such a featured packed product we think you will be hard pressed to find a better deal out there!
homestar™ Securimax Loan
A fully featured variable rate loan that let's you access one of the lowest rates available in the market with no application fee or ongoing fees.
homestar™ Equitymax Line of Credit
A line of credit loan with convenient all-in-one banking to simplify managing your finances. Includes credit card and cheque book.
homestar™ Lo-Doc Loan
Competitive, fully featured lo-doc loans available for both self-employed and PAYG applicants with no income verification required.
homestar™ Credit Impaired Loan
We understand that sometimes people will incur credit blemishes or defaults over time and as such have a loan that can assist you.
homestar™ Fixed Rate Loan
Competitive fixed rate loans that allow additional repayments.
| homestar™ Products Range at a Glance |
| |
homestar Securimax Loan
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homestar
Fleximax Loan |
homestar
Equitymax Line of Credit |
homestar
Lo-Doc |
homestar
Credit Impaired |
homestar
Fixed Rate |
| Variable Rates / Fixed Rates |
Yes |
Yes
|
Variable |
Yes
|
Yes
|
Yes
|
| Owner Occupied / Investment |
Yes |
Yes
|
Yes
|
Yes
|
Yes
|
Yes |
| Principle & Interest / Interest Only |
Yes |
Variable |
Interest Only |
Variable |
Variable |
Fixed 1-10 years |
| Max Loan Size |
$2,500,000 |
$2,500,000
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$2,500,000
|
$1,000,000 |
$2,500,000
|
$2,500,000
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| Max Term |
30 Years |
30 Years
|
30 Years
|
30 Years |
30 Years |
30 Years
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| Payment Frequency |
Monthly Fortnightly Weekly
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Monthly Fortnightly Weekly
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Monthly Fortnightly Weekly
|
Monthly Fortnightly Weekly
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Monthly Fortnightly Weekly
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Monthly Fortnightly Weekly
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| Split Loans |
Yes (up to 4) |
Yes (up to 4)
|
Yes (up to 4)
|
Yes (up to 4)
|
Yes (up to 4)
|
Yes (up to 4) |
| Redraw |
Yes (unlimited) |
Yes (unlimited)
|
Yes (unlimited)
|
Yes (unlimited)
|
Yes (unlimited)
|
No |
| Extra Repayments |
Yes |
Yes |
Yes |
Yes |
Yes |
Maximum of $10,000 pa |
| Pay Anyone |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Max Loan to Value Ratio
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100% |
100% |
90% |
80% |
90% |
100% |
| Capitalize Mortgage Insurance |
Yes |
Yes
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Yes
|
Yes
|
Yes
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Yes
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| Administration Fee |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
| Application Fee |
Nil |
Nil |
$750 |
$750 |
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| Internet Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Telephone Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Direct Debit |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Salary Crediting |
Yes |
Yes |
Yes
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Yes |
Yes
|
Yes |
| Portable |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Master Card / Cheque Book |
No |
Yes
|
Yes |
No |
No |
No |
| Customer Service 24/7 |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Construction |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| First Home Owner |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Self Employed |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Pre Approval |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
1 For full details please click our loan products.
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