About OZ Home Loan

OZ Home Loan is an independent home loan research and education hub for Australian buyers, investors, and refinancers. We cut through lender marketing to give you clear, data-driven guides on rates, product types, government schemes, and the full borrowing process.

We don’t originate loans, hold a credit licence, or earn commissions from lenders. All content is written to inform, not to sell.

Who We Write For

First home buyers trying to understand deposits, LMI, and government guarantees
Upgraders and movers looking to refinance or access equity
Property investors comparing interest-only and principal & interest products
Self-employed borrowers exploring low doc and alt doc options
SMSF trustees considering property investment through superannuation

What We Cover

Topic	What You’ll Find
First Home Buyers	FHSS, First Home Guarantee, stamp duty, FHOG, 5% deposit pathways
Home Loan Types	Variable, fixed, split, offset, redraw — how each works and when to use it
Refinancing	Cashback offers, break costs, equity release, rate comparisons
Low Doc Loans	For self-employed borrowers without full tax returns
Investment Loans	Interest-only, negative gearing, portfolio lending
SMSF Lending	Buying residential or commercial property via self-managed super

Our Standards

Independence: No lender pays for placement or editorial coverage on this site
Accuracy: Rates and policy details are sourced from lender product sheets, RBA announcements, and ASIC-regulated disclosures — with dates noted
Currency: The mortgage market moves fast. We update guides after every RBA decision and major policy change

Technology

Stack: Astro 5 + Tailwind CSS + Cloudflare Pages (100% static, no tracking)
AI-ready: We publish llms.txt and llms-full.txt so AI assistants can accurately cite our data

Contact

Email: hello@ozhomeloan.au
RSS: /rss.xml

General information only. Not financial advice. Always consult a licensed mortgage broker or financial adviser before making any lending decision.

Last updated: May 2026.