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HomeStart Home Loan Rates

Active products
14
Lowest variable
3.50%
Lowest fixed
4.20%
Lowest comparison
3.60%
Last updated
26 July 2026

HomeStart is one of the Australian home-loan lenders we track daily. We currently surface 14 active products from HomeStart, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest HomeStart home loan rate?

The lowest HomeStart variable home loan rate Ratesniffers tracks is 3.50% p.a., and the lowest fixed rate is 4.20% p.a. These figures come from the 14 HomeStart products on this page, ranked by comparison rate, last verified 26 July 2026.

How many home loan products does HomeStart offer?

Ratesniffers currently tracks 14 HomeStart home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

0 HomeStart home loan products

No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.

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Advertised rates aren't always the rate HomeStart actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is HomeStart?

HomeStart is South Australia's government-backed home lender, established in 1989, and has helped more than 67,000 households into home ownership. Its products are built around low deposits and alternative eligibility, including options for graduates and lower-income buyers, with no lenders mortgage insurance.

Because it is state-backed with a home-ownership mandate rather than a profit-first one, some of its products carry subsidised pricing that sits below conventional market rates.

Who suits a HomeStart home loan?

HomeStart tends to suit South Australians who can't clear a mainstream deposit hurdle: lower-income earners, graduates and buyers without family help. Its niche products have their own eligibility rules and its standard pricing is transitional, so compare both against the wider market in the table above as your position improves.

Background facts checked 21 July 2026. Rates above refresh independently.

HomeStart home loans: frequently asked questions

What is the lowest HomeStart home loan rate?

HomeStart's lowest variable home loan rate is currently 3.50% p.a., and its lowest fixed rate is 4.20% p.a., based on the 14 HomeStart products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate HomeStart approves, a broker can often negotiate a sharper deal on your scenario.

How does HomeStart's home loan rate compare to the market?

HomeStart's lowest variable home loan rate today is 3.50% p.a., which is 259 basis points below the market median of 6.09% p.a., which puts HomeStart among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where HomeStart sits right now rather than a fixed snapshot.

How many home loan products does HomeStart offer?

Ratesniffers currently tracks 14 HomeStart home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is HomeStart competitive for refinancing?

It depends on your loan size and LVR. HomeStart's lowest comparison rate is currently 3.60% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing HomeStart against the sharpest available rate usually pays off.

How often are HomeStart's home loan rates updated?

Ratesniffers last verified HomeStart's home loan rates on 26 July 2026. Rates can change whenever HomeStart reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

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