HomeStart home loan reviews

HomeStart
HomeStart's overall rating for home loans

(as rated by the Mozo community)

7.9 / 10

based on 46 reviews

Price

Features

Customer service

Convenience

Trust

Recent HomeStart home loan reviews

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 over 3 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 over 3 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 almost 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 almost 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 almost 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 about 4 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 over 4 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 over 4 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 over 4 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 over 4 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 over 4 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 over 4 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 over 4 years ago

HomeStart

HomeStart home loan review

Overall rating   9 / 10

Go the extra mile for you with a smile

From the start, the guys at HomeStart were all about getting us into our own home. They went above and beyond to make sure that everything went smoothly. It was a stress free experience. Everything was explained in detail and nothing was unclear....

Full review

From the start, the guys at HomeStart were all about getting us into our own home. They went above and beyond to make sure that everything went smoothly. It was a stress free experience. Everything was explained in detail and nothing was unclear. They were all so friendly and wonderful.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Patricia, South Australia, reviewed over 4 years ago

HomeStart

HomeStart home loan review

Overall rating   8 / 10

The place to go for a loan

Homestart is an excellent place to get a loan, especially when a bank won't accept you. Homestart is fantastic and has helped me out so much to get a loan for my house. Would definitely recommend to others.

Full review

Homestart is an excellent place to get a loan, especially when a bank won't accept you. Homestart is fantastic and has helped me out so much to get a loan for my house. Would definitely recommend to others.

    Price   6 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Elise, , reviewed almost 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

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • 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:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank 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 522 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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