Owner Occupied · Owner Occupied Home Loan

The loan you'll actually live in, structured right from day one

Buying the home you'll live in is a different lending conversation to an investment it's about the rate today and the flexibility over the next ten years. We compare fixed, variable and split structures across our panel so the loan fits your life, not the other way around.

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Up to 95% LVR

P&I or Interest-Only

Fixed, variable or split

Who it's for

First home buyers navigating deposits, grants and LMI for the first time
Upgraders moving to a bigger home or a better location
Buyers who want offset and redraw flexibility built in, not bolted on
Anyone refinancing their current home for a sharper rate or better structure

How it works

The same clear process every time, shaped around this specific loan type.

1
Free serviceability assessment
We work out what you can actually borrow, based on real income, expenses and the APRA buffer lenders apply not a rough guess.
2
Compare the panel
Your numbers go up against lenders on our panel for rate, LMI treatment, offset access and fees not just the first bank you'd have called.
3
Pre-approval
Walk into open homes and auctions with a conditional approval behind you, so you can move when the right property turns up.
4
Settlement support
We manage the paperwork and lender back-and-forth through to settlement, and stay on hand after you've got the keys.

What's included

Offset & redraw access

Structure your loan so everyday savings actually reduce the interest you pay, without locking your money away.

LMI strategy

Where LMI applies over 80% LVR, we compare how it's calculated across lenders including waivers for some professions.

First Home Buyer support

Guidance through grants and government schemes you may be eligible for, alongside your loan comparison.

Split-rate flexibility

Fix part of your rate for certainty and leave the rest variable for offset access a structure many first-time buyers don't know exists.

Ask about split-rate structuring before you fix most first home buyers only find out it exists after they've already locked in a fully fixed rate.

Common questions

How much can I actually borrow?

It depends on your income, expenses, existing debts and the 3% serviceability buffer lenders apply on top of the loan rate. Our borrowing power calculator gives a same-day estimate, and a full assessment refines it further.

Do I need a 20% deposit?

No many lenders on our panel go up to 95% LVR. Above 80% LVR, Lenders Mortgage Insurance (LMI) typically applies, which we factor into the comparison.

What's the difference between fixed, variable and split?

Fixed locks your rate for a set term (certainty, less flexibility). Variable moves with the market (more flexibility, less certainty). Split does both on different portions of the same loan.

Can I get pre-approved before I've found a property?

Yes most buyers get pre-approved first, which gives a clear budget and stronger negotiating position at inspections and auctions.

Ready to explore Owner Occupied Home Loan?

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