April 2026 home loan rate sheet refreshed · See the full table →

◆ ozLoan · Plain-English Australian Lending

Australian home loans,
finally readable.

Owner-occupier, investment, refinance, self-employed, non-PR, commercial — every loan type broken into conditions, timelines and the gotchas, before you even talk to a broker.

Talk to a broker directly

40+lenders on panel

100+case write-ups

Mandarin / Cantonese / Englishall covered

★

4.9/5 average broker rating

Six things people ask about most

The shortcuts — from first-home schemes to refinance.

All topics →

This month's
home loan rates

First home
buyer schemes

Self-employed
lending

Refinance
strategy

Business &
commercial loans

Calculators

Three scenarios we cover deeply

The borrower types where plain information actually changes the loan outcome.

First Home Keys to a new home

Your first Australian home

PR / citizens buying their first property — stacking FHOG grants, stamp duty concessions and the federal 5% deposit scheme. We'll walk through the maximum you can actually combine.

State FHOG grants — $10k to $25k
First-home stamp duty thresholds
Home Guarantee Scheme low-deposit paths

First home articles →

Self-employed / Non-PR Small business owner

Self-employed, freelancer, temp-resident

NOAs, Low Doc, non-standard income, 485 / 482 / student-visa buyers — the "banks-are-reluctant-but-it-is-doable" scenarios. This is our wheelhouse.

Low Doc · 2-year self-employed minimum
Overseas income / temp resident + FIRB
Non-PR LVR ceilings explained

Self-employed articles →

Business / Commercial Business workspace

Business lending & commercial property

188 business visas, asset finance, commercial property purchase + fit-out, SMSF lending — the complex structures other sites avoid.

188A/B/C visa loan packaging
Commercial purchase + fit-out finance
SMSF (self-managed super) lending

Do the maths before the broker call

Four common calculators — two minutes, no personal info collected.

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Repayment calculator

Loan amount + rate + term — see weekly / monthly repayments plus total interest.

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Borrowing capacity

Household income + expenses → estimate maximum borrowing using a standard servicing model.

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Stamp duty calculator

NSW / VIC / QLD / WA etc., with first-home concessions applied automatically.

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Overseas-buyer total cost

FIRB + foreign surcharge + vacancy tax — the hidden costs added up in one place.

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How it played out

Real cases — the reasoning step by step, from first enquiry to settlement.

More cases →

First home

"5% deposit + FHOG →
a Ryde semi in Sydney"

Six months into PR, three banks said no. Stacking Home Guarantee Scheme + FHOG + stamp duty concession got pre-approval within a week.

Lisa's family · Inner West · $1.02M purchase

Refinance

"Four properties, one lender,
$700/month in free cash"

Previously split across three lenders — servicing was tight. Consolidated the portfolio to a single lender, unlocking $180k of equity and $700/month cash-flow.

Dr Chen · Glen Waverley · $3.4M portfolio