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◆ ozLoan · Plain-English Australian Lending

Australian home loans,
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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.

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The shortcuts — from first-home schemes to refinance.

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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
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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
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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.

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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

Reading, worth the time

Latest lending policy moves, rate trends, tips for Australian borrowers.

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Reddit r/realestateinvesting: Where Did All the Listing Pictures Go for Sold Properties?

Home loans

Reddit r/realestateinvesting: Where Did All the Listing Pictures Go for Sold Properties?

Reddit r/realestateinvesting: Where Did All the Listing Pictures Go for Sold Properties?If …

8 min read · 2026-05-17
GNews-澳洲房产贷款: What Has the Federal Budget Done to Relieve Mortgage Stress? - The Times Australia

Home loans

GNews-澳洲房产贷款: What Has the Federal Budget Done to Relieve Mortgage Stress? - The Times Australia

GNews-澳洲房产贷款: What Has the Federal Budget Done to Relieve Mortgage Stress? - The Times …

9 min read · 2026-05-14
澳洲央行五月加息深度解析：房贷持有者如何应对利率上升

Home loans

澳洲央行五月加息深度解析：房贷持有者如何应对利率上升

澳洲央行五月加息深度解析：房贷持有者如何应对利率上升随着全球通胀压力的持续蔓延，澳大利亚储备银行（RBA）的货币政策动向成为了每一位房产持有者和潜在买家关注的焦点。近期，市场对于澳 …

1 min read · 2026-05-10
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