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Standard Loan

Austar Financial Services can provide with a finance portfolio that will give your business the flexibility it needs to expand, nurture and mature in an ever changing climate. We can provide a solution that will improve your cashflow and working capital and realise any equipment and assets needed to make your business function and improve.
  Standard Loan

Our Best Product - Standard Loan

A standard home loan that offers unlimited free electronic redraws, no ongoing fees and competitive pricing. This loan offers the customer a reliable, easy to operate facility for purchases, refinances or debt consolidation


Minimum $20,000 to $1,500,000 with a maximum loan to security value ratio of up to 90% for owner occupied and investors and a maximum loan term of 30 years.


Austar Home Loans will create a free electronic link between your nominated banking account and your mortgage loan. This enables the transfer of surplus cash into your loan account to save interest and cut years from your home loan.
You may transfer available funds between your nominated banking accounts and the mortgage loan account as often as needed.
phone and internet access
Direct debits initiated by external parties such as rates, gas, electricity and credit card sweeps


 A first registered mortgage on residential property within Australia.


Salary crediting – borrowers can have all or part of their pay directly deposited to their loan account weekly, fortnightly or monthly.

Direct debit – borrowers can have their repayment drawn from a nominated bank account either fortnightly or monthly
Each account to receive a monthly repayment.
Reduce your loan balance and interest payable by making additional payments via any of the following:

Direct credit – from another banking account, or additional salary credits

BPAY – from another bank account
Account is unable to accept payments that will take balance into credit
break cost fees may apply to fixed rate accounts


The total loan may be split between up to 4 pre-nominated accounts. This enables identification of personal and investment debt and varies each split in terms of variable and fixed rate portions, interest only or principal and interest repayments.

The interest only portions can be for 10 years then reverting to principal and interest repayments.


Maximum loan to value ratio 80%
Maximum loan amount $800 000

Available for applicants who have been self-employed or have held a registered ABN or ACN for at least 2 years. If these conditions cannot be met, loans will be considered at reduced loan to value ratio of 65%.


Manage your loan by touch-tone phone & the Internet 7 days per week
B Pay
Interest calculated daily charged monthly
Direct Deposit Salary, rental or dividend income etc
Redraw facility
No Ongoing Monthly Fees
Deposit Bonds available to help you with your cash flow when you’re buying or selling property
Unlimited free deposits (restrictions apply during first year)
Available for debt consolidation
Pre-payment of Interest is available
Available for construction


TO APPLY CALL 1300 762 911

All information current as of 01/11/2004

All applications for credit are subject to Austar Home Loans Pty Ltd normal credit approval criteria. Full terms and conditions are set out in the loan contracts. Terms & conditions, including fees & charges may be varied or introduced in the future. Fees & charges are payable.

* Interest Rates are indicative only. Interest rates DO NOT apply to existing customers. Please contact Austar for details of interest rates for existing customers.
** The comparison rate for each of the home loan products contained on this page are based on a secured loan of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.


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