Sergeant John Parish, of Colac police, said a fire started in the front room of a Stewart Street property about 3am. 

The owners of the property were home at the time, but were not injured. 

Multiple CFA units and police were called to the scene.

Sergeant Parish said the home was totally gutted by the fire.

He said it took crews about an hour to get the fire under control. 

The cause of the fire is being treated as not suspicious.