Manage your repayments

We know that taking out a home loan is not the end of your home ownership journey. In fact, quite often it’s just the start.

Manage your repayments


If you make additional voluntary repayments to your loan, over and above the minimum repayments, redraw enables you to withdraw these additional funds. Some restrictions may apply depending on your individual circumstances and loan type.

To access redraw, you can apply online, or contact HomeStart.

Voluntary repayments

You can choose to make additional repayments at any time by either increasing your regular repayment or making a lump sum repayment. You can stop or adjust voluntary repayments whenever you like. Making voluntary repayments reduces your loan term and the amount of interest you pay over the life of the loan.

You can make voluntary payments online, with Bpay*, or contact HomeStart.

Some restrictions may apply depending on your individual circumstances and loan type. If you’re unsure, contact HomeStart first.

*Contact HomeStart to obtain your biller reference number and HomeStart's biller code.

Direct debit repayments

Direct debit repayments make paying off your home loan easier. You can avoid repayment hassles, with payments being automated so you don’t miss a repayment. You can choose how often you make your repayments (weekly, fortnightly or monthly), and you can choose to make regular voluntary repayments above your minimum repayment amount.

To set up direct debit or change your account details, fill out and return the Direct Debit Request form to HomeStart Finance, PO Box 1266, Adelaide SA 5001. Please ensure there are sufficient clear funds in your account, and allow 5 working days from the date the Lender receives the Direct Debit Request form for the change to be effected.

Read the full Direct Debit Request Service Agreement here.

Customer Care

We understand that for a range of reasons, our customers may experience difficulty in meeting their loan repayments. Our Customer Care Team can provide information and support to assist those experiencing financial hardship.

If you are experiencing financial hardship, contact the Customer Care Team on 82034756

For more information about financial hardship, visit Doing it tough, the Australian Banker’s Association support guide on debt and financial diffculty.

Get into your own home sooner

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