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Refinance Owner Occupied Special 3.44% (3.45% Comparison Rate) @ Homestar Finance

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Refinance Owner Occupied Special 3.44% (3.45% Comparison Rate) @ Homestar Finance
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AssociatedHomestarFinance on 04/10/2017 - 16:34 homestarfinance.com.au (487 clicks)
Last edited 04/10/2017 - 17:15 by 3 other users

Cheapest home loan rate in Australia!

Limited Time Only
Homestar Finance has introduced the cheapest home loan rate in Australia, the Refinance Owner Occupied Special.

With an interest rate of only 3.44% and a comparison rate of 3.45%, making it the cheapest home loan rate in the market.
The home loan is only for borrowers who are refinancing with a maximum LVR of 80% and a maximum borrowing amount of $600,000.

“This is ground breaking for Homestar Finance” says Mike Tatlow, Digital Marketing and Sales Manager for Homestar Finance. “

Credit services and loan management provided by Homestar Finance Pty Ltd Australian Credit License 390 860.

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closed Comments

  • ShortyX on 04/10/2017 - 16:41

    Fine print:

    1 Rates shown apply to new loans only and may change at any time. Existing borrowers may have different interest rates which depended on the rate offered to the borrower at the date when a home loan settled and any reductions or increases the lender decided to make on the existing loan over time. Accordingly, there is not one standard variable rate that applies to all Homestar home loans and existing customers can confirm their current rate (s) by logging in to internet banking or by contacting customer service.
    Terms, conditions and eligibility criteria apply.

    Reviews seem ok - https://www.productreview.com.au/p/homestar-finance.html

    Anyone with them?

  • turk182 on 04/10/2017 - 16:50
    +1

    From one reviewer
    "This is a trap! I highly suggest everyone to keep clear. Fees fees fees and my interest rate was risen soon after I settled. They lure you in and then trap you."

    • otter-raptor on 04/10/2017 - 16:54

      I'm wary of lenders who have little history too. It is hard to know whether they will be acting in good faith for the times to come.

      This is not to say the big 4 or other established lenders are bees' knees, but at least we know their shady stuff and there is a lot of customers to provide info about their modus operandi

      • AssociatedHomestarFinance @ Homestar Finance on 04/10/2017 - 17:22

        We have been around since 2004

        • tg on 04/10/2017 - 18:16
          +5

          For all the loans that you have approved since 2004, what is the percentage of rising interest rate within 3 months after settlement?

        • bm on 04/10/2017 - 18:32

          @tg:

          Hey look, tumbleweed!

        • tg on 04/10/2017 - 18:41

          @bm:
          Lenny Curley, Richard Lewis, Paul Hausmeister, Steve O'Brien…

    • Abbi on 04/10/2017 - 17:03
      +1

      lol. Did he clarify if everyone else got rates rises at the same time because the RBA decided to lift the official cash rate? I doubt it. It's a variable rate loan, they are entitled to raise and drop rates when they please.

      • bm on 04/10/2017 - 18:43

        We're asking about out of band rate rises. Have rates changed (risen or fallen) for clients when the RBA hasn't changed rates?

        • Abbi on 04/10/2017 - 19:12

          They are a private business, they can raise or drop rates when they like. The big four will move rates outside of RBA official cash rate rises. It's called decoupling and it started years ago with the big four. Google it and familiarise yourself.

        • bm on 04/10/2017 - 19:17

          @northernculture:

          Unfortunately I'm very familiar with decoupling! Just asking what Homestar's history with out of band rate changes is as it would be great to know if rates have arbitrarily risen or fallen in the past to make an informed comparison to other lenders.

    • AssociatedHomestarFinance @ Homestar Finance on 04/10/2017 - 17:22

      no traps we are just transparent

      • [Deactivated] on 04/10/2017 - 17:40
        +3

        Do you mean invisible when people have a problem with your hidden fees?

        • AssociatedHomestarFinance @ Homestar Finance on 05/10/2017 - 09:21

          we dont have hidden fees

  • malouphix on 04/10/2017 - 17:01

    Hi spammy, do you come here often?

  • rdhupar on 04/10/2017 - 17:02
    -1

    No ATM/Debit Card with the loan. Their other loans do but charge higher. Keep in mind when considering.

  • AssociatedHomestarFinance @ Homestar Finance on 04/10/2017 - 17:25

    this is not a honeymoon rate its just for a limited time.

  • isaw on 04/10/2017 - 17:44

    So I'm looking for pre-approval, full offset ~400k, but not refinancing. have 20% dep, can you still do the same rate? PM me if you like.

    • AssociatedHomestarFinance @ Homestar Finance on 05/10/2017 - 09:25

      Hi isaw this only applies to refinancing.Please call us 1300 462 209 and speak to a loan consultant

  • tg on 04/10/2017 - 18:06

    600k maximum?
    I am looking for refinancing my existing loan and top up to 1.1m.
    Can you do 1.1m maximum please?
    I have never missed my interest payment and my credit rating is extremely good.
    Take me aboard and you will not regret.
    PM me if you like.

    • AssociatedHomestarFinance @ Homestar Finance on 05/10/2017 - 09:23

      I suggest you give us a call 1300 462 209 and speak to a loan consultant

      • tg on 05/10/2017 - 21:37
        +2

        Rang them and talked to a loan consultant on the phone.
        He gave me a frank suggestion:
        Do not go with them as their rate is not good for over 1m lending.

        Thumb up for giving me honest advice over getting my business.

  • Stahh on 04/10/2017 - 20:00

    Bank of sydney have 3.69 atm not as good but might be a better option.

  • AssociatedHomestarFinance @ Homestar Finance on 05/10/2017 - 09:34

    If anyone has any questions please call or email us at http://homestarfinance.com.au/contact-us.

    We are not liars or cheats just a very nimble and competitive outfit who have been around since 2004.We don't waste money on advertising and most recently won Mozo’s 2017 Non-Bank Home Lender of the Year and our P&I Variable products have recently received 5 Star Ratings from Canstar.

  • lazydesi on 07/10/2017 - 05:58

    Who is mozo?how did tge rating works?

  • binusam2007 on 08/10/2017 - 09:36

    Hi OP any Cashback promotion for refinance to cover the refinancing cost? Thank you

    • AssociatedHomestarFinance @ Homestar Finance on 09/10/2017 - 12:03

      Hi binusam2007,

      We don't offer any cash back offer for refinancing as their are no costs to cover.

      Good Luck

      HSF

      • binusam2007 on 09/10/2017 - 23:09

        I mean the cost associated with exiting my current loan provider😊

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