Best Owner-Occupied Home Loans in Australia (2025 Guide): Rates, Features & Eligibility
Buying or refinancing the place you live in? Matcheroo compares owner-occupied loans based on your real profile—LVR, income type, credit and features—so you only see options you’re likely to qualify for. Results are verified and usually ready in 24–48 hours.
How we compare owner-occupied loans
You answer a short set of questions. Our engine maps your details to live lender policy, pricing and fees, removes mismatches (servicing rules, postcode/security limits, LMI thresholds) and ranks the fits. A credit specialist checks edge cases before we send your shortlist.
Fixed vs variable (quick guide)
Fixed gives payment certainty but may cap extra repayments and charge break costs if you exit early. Variable moves with the market, usually allows unlimited extra repayments and easier access to offset. Many owner-occupiers choose a split for balance.
Features that matter
An offset account can reduce interest while keeping access to cash. Extra repayments/redraw help pay the loan down faster. Watch package/annual fees, cashback conditions and the comparison rate (fees included) when weighing options.
Eligibility & documents
Sharper pricing typically goes to lower LVRs and clean credit, but policy varies. Have recent payslips or BAS, bank statements, photo ID and property details ready. If refinancing, include current statements and your payout figure.
Timelines
Simple purchases and refinances move quickly once documents are ready. Tell us your target date and we’ll align lender choice to settlement timeframes.
Helpful tools: Borrowing power → /calculators/borrowing-power · Repayments → /calculators/repayments
FAQs
What rate can I get for an owner-occupied loan?
It depends on LVR, product, repayment type and policy on the day. We show current options you’re likely to qualify for, with fees and comparison rates.
Do I pay LMI above 80% LVR?
Usually yes, though some lenders offer waivers or alternatives for certain borrowers. We’ll flag this and estimate costs.
Can I split fixed and variable?
Yes. Many lenders allow multiple splits so you can combine certainty and flexibility.
Will matching affect my credit score?
No. There’s no hard credit check until you choose to apply.
How fast can I refinance an owner-occupied loan?
Often within a few weeks once docs are ready. Timelines vary by lender; we’ll set realistic expectations.