Simple to Understand Home Loans Products


	homestar™ offers you a range of products that have all the important features that you should expect with a high quality home loan and are easy to understand. Our range of variable and fixed rate home loans can be tailored to meet your particular needs, whatever they might be. However, if for whatever reason one of our homestar™ loans do not meet your needs, we have access to home loan products from more than 25 other lenders, so you can be assured that we can find the best product for you.

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	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	$2,500,000	$1,000,000	$2,500,000	$2,500,000
Max Term	30 Years	30 Years	30 Years	30 Years	30 Years	30 Years
Payment Frequency	Monthly Fortnightly Weekly	Monthly Fortnightly Weekly	Monthly Fortnightly Weekly	Monthly Fortnightly Weekly	Monthly Fortnightly Weekly	Monthly Fortnightly Weekly
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	100%	100%	90%	80%	90%	100%
Capitalize Mortgage Insurance	Yes	Yes	Yes	Yes	Yes	Yes
Administration Fee	Nil	Nil	Nil	Nil	Nil	Nil
Application Fee	Nil	Nil	$750	$750
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	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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