AFG Broker Awards – Top 50 Mortgage Broker Finalist NSW/ACT
Recognised as one of Australia’s broking leaders.
Owner-Occupied Loans
Helping you finance the home you'll live in
An owner-occupied loan is designed for the home you actually live in. The terms, rates and structures available to you should reflect that. Lenders treat owner-occupiers favourably, which means this is one of the most competitive corners of the mortgage market. The opportunity is there. The difference is knowing how to use it.
Whether you're stepping into your first place, upsizing for the next chapter or refinancing to get a better deal on what you already own, EQ Lending works across 40+ lenders to find the structure that fits your life, not just your income. We look at the full picture, including your goals, timeline and where you want to be in five years. Then we build your loan around that.
Owner-Occupied Loans
Interest Rates & Repayment Options
Interest Rate Type
Variable Rate
We help you find the right home loan to buy, refinance or invest, with support from application to settlement.
Fixed Rate
A fixed rate locks in your interest rate for a set period, providing certainty around repayments and protecting you from interest rate increases during that time.
Repayment Type
Interest-Only
With interest-only repayments, you pay only the interest portion of the loan for a specified period. This can help reduce short-term repayment costs and improve cash flow flexibility.
Principle & Interest
Principal and interest repayments reduce both the loan balance and interest over time, helping you build equity in your property faster while paying off the loan progressively.
Our Commitment
Our Promise
One on One Support
We provide a dedicated lending specialist for every client, guiding you through the loan process from start to finish.
Solutions Driven
Unlike traditional banks, we evaluate your unique financial situation and present options that truly work for you.
Industry Expertise
From home loans to construction and private lending, we are your personal hub for smarter finance solutions.
Who are owner-occupied loans designed for?
Owner-occupied loans are designed for people purchasing or refinancing a property they plan to live in as their primary residence. These loans are tailored to homeowners and may offer different rates and features compared to investment property loans.
What’s the difference between an owner-occupied loan and an investment loan?
Owner-occupied loans are for homes you live in, while investment loans are for properties intended to generate rental income or capital growth. Interest rates, borrowing criteria and repayment options may vary between the two.
Can I refinance my existing owner-occupied home loan?
Yes. Refinancing may help you secure a lower interest rate, reduce repayments, access equity or consolidate debt. EQ Lending can compare options across multiple lenders to find a more suitable solution for your needs.
Should I choose a fixed or variable interest rate?
This depends on your financial goals and preference for flexibility or repayment certainty. Fixed rates provide stable repayments, while variable rates offer flexibility and may fluctuate with the market. We’ll help you understand which option best suits your situation.
How does EQ Lending help with owner-occupied loans?
We guide you through the entire process, from assessing your borrowing capacity and comparing lenders to managing paperwork and settlement. Our goal is to make securing the right home loan simple, transparent and stress-free.