HomeStart home loans
Compare home loan rates from HomeStart Finance.
What different scores mean
9+
Excellent
These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Compare HomeStart Finance home loans
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How we picked theseHomeStart Finance lender profile
- Created by the South Australian Government in 1989, HomeStart offers home loans with less upfront costs, a lower initial deposit and an innovative repayment system that keeps monthly payments at a stable amount despite changes in variable interest rates. It's a for-profit service, but also has an ethic of social responsibility.
- HomeStart Finance is not a Bank, it is a State Government organisation that is 100% focused on providing home loans for South Australians.
- This lender offers other financial products such as existing home, build, refinance, or buy land now and build later.
How do I apply for a HomeStart Finance mortgage?
If you'd like to apply for a home loan from HomeStart Finance, please contact the lender directly.
Eligibility
Each HomeStart Finance product has specific eligibility criteria but some will apply to all products. For example:
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with HomeStart Finance you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
- Identification documents. You will need identification such as a driver's license, passport or birth certificate.
- Proof of income documents. Recent payslips can establish your income.
- Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Detailed guide to home loan applications and paperwork
Looking for more mortgage options?
- Online lenders. Compare more mortgages from online lenders.
- Big Four banks. Check out home loan rates from Australia's Big Four banks.
- Investors. Compare loans for property investors.
- Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
10 of 18 reviews
★★★★★ (NSW) 11 months ago
Via customer survey commissioned by Finder
★★★★★ Milly T (NSW) 12 months ago
Via customer survey commissioned by Finder
Very good, help is all around!
★★★★★ crystalzero (VIC) 12 months ago
Via customer survey commissioned by Finder
its easy to figure out housing
★★★★★ Bublè (SA) 12 months ago
Via customer survey commissioned by Finder
High interest rate but flexible loan options
★★★★★ BigObs (WA) 12 months ago
Via customer survey commissioned by Finder
They're okay, but the interest rates are killer
★★★★★ cherry (VIC) 1 year ago
Via customer survey commissioned by Finder
The price is right
★★★★★ zzz (VIC) 1 year ago
Via customer survey commissioned by Finder
can be consideted
★★★★★ Woolworths (NSW) 1 year ago
Via customer survey commissioned by Finder
The only way I could see the difference was to get it in a box
★★★★★ Shazzy (SA) 1 year ago
Via customer survey commissioned by Finder
Would not use again or recommend. So hard to get customer service
★★★★★ Raz04 (SA) 1 year ago
Via customer survey commissioned by Finder
The only provider who would give me a go
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