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HomeStart home loan reviews

HomeStart
HomeStart's overall rating for home loans

(as rated by the Mozo community)

7.8 / 10

based on 48 reviews

Price

Features

Customer service

Convenience

Trust

Recent HomeStart home loan reviews

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

Extremely competitive interest rates.

I would not have been able to buy a home without Homestart. I thought i was going to be a renter all my life but fortunately Homestart has changed my life. Love owning my own home.

Full review

I would not have been able to buy a home without Homestart. I thought i was going to be a renter all my life but fortunately Homestart has changed my life. Love owning my own home.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Christine, South Australia, reviewed about 1 month ago

HomeStart

HomeStart Home Loan review

Overall rating   3 / 10

Good customer service but high repayments.

There are such high repayments which keep going up periodically.

Full review

There are such high repayments which keep going up periodically.

    Price   0 / 10

    Features   0 / 10

    Customer service   8 / 10

    Trust   3 / 10

Less

Beau, South Australia, reviewed about 1 month ago

HomeStart

HomeStart Home Loan review

Overall rating   9 / 10

Excellent to use

Great for first or low income earners needing a housing loan.

Full review

Great for first or low income earners needing a housing loan.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Bruce, South Australia, reviewed about 4 years ago

HomeStart

HomeStart Home Loan review

Overall rating   9 / 10

Helpful and can be a lifeline for housing loans.

Great place to get a loan if knocked back by other lenders, good for older people too.

Full review

Great place to get a loan if knocked back by other lenders, good for older people too.

    Price   8 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   5 / 10

    Trust   10 / 10

Less

Bruce, South Australia, reviewed about 4 years ago

HomeStart

HomeStart Home Loan review

Overall rating   7 / 10

Customer service has proven to be great

Each time a query has arisen it has been promptly answered.

Full review

Each time a query has arisen it has been promptly answered.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   3 / 10

    Trust   7 / 10

Less

Roger, South Australia, reviewed over 4 years ago

HomeStart

HomeStart Home Loan review

Overall rating   6 / 10

Ok.not mutch choice

Ok.not mutch flexibility

Full review

Ok.not mutch flexibility

    Price   5 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Kay, South Australia, reviewed over 4 years ago

HomeStart

HomeStart Home Loan review

Overall rating   9 / 10

Excellent product and features, fantastic

Homestart was one of the only home loan options I had as a single income family, with 4 young children. Their rates are very competitive, they allow redraw on their loans, only downfall I have experienced with them is the cpi increase each year....

Full review

Homestart was one of the only home loan options I had as a single income family, with 4 young children. Their rates are very competitive, they allow redraw on their loans, only downfall I have experienced with them is the cpi increase each year. Altogether though I have no complaints about homestart finance, they have been great to me.

    Price   7 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Kylie, South Australia, reviewed over 4 years ago

HomeStart

HomeStart Home Loan review

Overall rating   4 / 10

traped

My bank ga've me the opportunity to own a home but the conditions on the loan could not let me get out of it easily

Full review

My bank ga've me the opportunity to own a home but the conditions on the loan could not let me get out of it easily

    Price   5 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   6 / 10

Less

Maria torrefiel, , reviewed almost 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

the best

I like them they helped me out

Full review

I like them they helped me out

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tania, , reviewed almost 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

Always there for me

when I hit a snag, I give them a call A little bit of shuffling and I'm saved from a fall. A message online or in the mail Will always make sure I don't fail

Full review

when I hit a snag, I give them a call A little bit of shuffling and I'm saved from a fall. A message online or in the mail Will always make sure I don't fail

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Katherine, South Australia, reviewed almost 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

Great nank

Great banking service

Full review

Great banking service

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Duncan , , reviewed about 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

Great customer service and alway easy to talk to

They gave me a chance as an unemployed single parent.

Full review

They gave me a chance as an unemployed single parent.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Carolyn, South Australia, reviewed about 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   9 / 10

Great honest product

This is a great service with a structured approach to getting home loans paid off in a shorter time. It's very basic and has no gimmicks which suits us fine.

Full review

This is a great service with a structured approach to getting home loans paid off in a shorter time. It's very basic and has no gimmicks which suits us fine.

    Price   7 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Andy, South Australia, reviewed about 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   10 / 10

Fantastic for low income earners

HomeStart helps thousands of people like me who otherwise wouldn't get a home loan. It's a life-changing loan provider.

Full review

HomeStart helps thousands of people like me who otherwise wouldn't get a home loan. It's a life-changing loan provider.

    Price   4 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   9 / 10

Less

Suzanne, South Australia, reviewed about 5 years ago

HomeStart

HomeStart Home Loan review

Overall rating   6 / 10

Almost a top 3 bank?

Fantastic and quick service over the phone, great internet website but not very forward in helping long term customers save money.

Full review

Fantastic and quick service over the phone, great internet website but not very forward in helping long term customers save money.

    Price   5 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   4 / 10

Less

Cassandra, , reviewed about 5 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 639 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.84% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.84% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.3

    Based on 7 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    10.0

    Based on 1 Athena home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.

    interest rate

    2.79% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.
    • Interest rate: 2.79% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $325.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.0

    Based on 1 Tic:Toc home loan reviews

    Need more information?
    Go to site

    More info

  • Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest rate

    2.74% p.a. variable

    comparison rate*

    2.77% p.a.

    upfront fees

    $596

    Go to site

    More info

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer
    • Interest rate: 2.74% p.a. variable
    • Comparison rate*: 2.77% p.a.
    • Upfront fees: $596
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $850,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    6.8

    Based on 23 Homestar home loan reviews

    Need more information?
    Go to site

    More info

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Want more? Compare all 534 home loans in the Mozo comparison engine.

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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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