Owner-Occupied Home Loans

Whether you’re looking to buy, build, or renovate your dream home, we can get you the most suitable owner-occupier home loan for your situation.

clients helped get financing
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worth of loans transacted.
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Owner-Occupied Home Loans

Owner-occupier home loans are for anyone who intends to live in the property they purchase. They have lower interest rates compared to investment property loans, which makes them perfect if you’re looking for a primary residence.

So if you’re in the market to buy an existing house, build a new one from scratch, or renovate a home and live in it in the foreseeable future, you can take advantage of this loan.

We can help you secure the perfect loan and make your dream home a reality!

How can you benefit from owner-occupied home loans?

Save thousands on interests

Take advantage of the lower interest rates for owner-occupied mortgages and enjoy significant long-term savings.

Low deposit amount

With this type of loan, you are often asked a low deposit amount, which is perfect if you’re a first-time homebuyer.

You can build your equity

As you pay down your mortgage, you’re building home equity, which can be a valuable asset for future financial endeavours.

How much will it cost you to own a home?

Your owner-occupied home loan repayments

Property type:
Repayment type:

Your estimated repayments:

Principal and interest period
Variable interest rate:
Comparison rate:
Total interest payable:
6.14% p.a.
6.14% p.a.

Things to consider before getting an owner-occupied home loan

Below are some things you need to know before getting into an owner-occupied home loan:

The type of interest rate

Depending on your preference and financial situation, you can choose between a fixed or a variable rate. Fixed rates offer more certainty and stability, while variable rates are lower or can be higher, depending on the market.

The repayment method

You can opt for a principal and interest (P&I) or an interest-only (IO) loan, depending on your cash flow and investment goals. P&I loans reduce your loan balance over time, but IO loans have lower repayments in the short term.

The loan features

You should compare different home loans and look for features that suit your needs, such as offset accounts, redraw facilities, extra repayments, and split loans. These features can help you save money and manage your loan more effectively. Sounds overwhelming? Don’t worry, we’ll make sure that you understand all the ins and outs of owner-occupied home loans so you can choose the most suitable deal for your situation.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

Owner-occupied loans are designed for your primary residence and typically have lower interest rates. Investment property loans are for properties you don't intend to live in and often come with higher rates.

Yes, you can refinance your loan, but the terms and rates may change if you convert it into an investment property. Be prepared for potential adjustments in your loan terms.

We earn a commission from the lender when your loan is settled. This is not deducted from your total loan amount, this is paid by the lender directly for introducing the loan.

No, you don't need a perfect credit score, but a higher credit score provides more options. We work with clients with a range of credit scores and can guide you on improving your credit if necessary to qualify for better loan terms.

Generally, lenders want a 20% deposit for the purchase of a property, however, we have many lenders who can accept a 5% deposit. We also have 0% deposit options.

Each bank has different Service Level Agreements (SLAS). However, generally within 2-3 business days.

The required documents vary, but common ones include proof of income, bank statements, tax returns, and identification. We'll provide you with a checklist and help you gather everything needed for your application.

Absolutely. We assist with various mortgage types, including fixed-rate, variable-rate and split loans to best align with your needs.

We do not charge upfront fees to borrowers. Our earnings come from the lender once the loan is secured. Due to increased demand for our services, we may charge you a fixed fee for Pre-approval as they do require significant resources and time to obtain. Many lenders have moved away from providing pre-approvals as 8 in 10 pre-approvals don’t proceed to purchase.