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.txtandllms-full.txtso AI assistants can accurately cite our data
Our Team
Our editorial lead holds a Justice of the Peace commission (NSW #222877, in a personal capacity), an Australian Credit Licence, and over 15 years of experience in Australian mortgage and property markets.
资料整理团队负责人持有 NSW 太平绅士 #222877（个人资质）及澳洲信贷牌照，从业 15 年以上。
Contact
- Email:
[email protected] - 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.