HomeStart Home Loan Rates

Active products

Variable product example

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Fixed product example

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Example comparison rate

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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.

Last updated

26 October 2026

HomeStart is one of the Australian home-loan lenders we track daily. We currently surface 37 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 are HomeStart home loan rates?

Ratesniffers compares HomeStart home loan products by comparison rate. Compare HomeStart's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare HomeStart against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.

How many home loan products does HomeStart offer?

Ratesniffers currently tracks 37 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.

37 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.

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 4 September 2026. Rates above refresh independently.

HomeStart fees, offset and limits at a glance

Application or establishment fee: $845
Discharge fee: $450
Settlement fee: $200
Additional valuation fee: $0
Maximum total lending: Aggregate Max Loan $750,000
Extra repayments on fixed: Limited to $10,000 p.a. if exceeded, break fee is charged ($325)
When the fixed rate is locked: Settlement

Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.

HomeStart home loans: frequently asked questions

What are HomeStart home loan rates?

Ratesniffers compares HomeStart home loan products by comparison rate. Compare HomeStart's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare HomeStart at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.

How much do you need to earn for a $500,000 HomeStart home loan?

There is no single salary requirement for a HomeStart home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish HomeStart's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.

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

Compare HomeStart's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.

How many home loan products does HomeStart offer?

Is HomeStart competitive for refinancing?

Compare HomeStart's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.

How often are HomeStart's home loan rates updated?

Ratesniffers last verified HomeStart's home loan rates on 26 October 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.