About OZ Home Loan
OZ Home Loan explains how buying and financing a home in Australia actually works — deposits, pre-approval, government schemes, loan types, and settlement — for first home buyers, upgraders and refinancers.
It is published by the team behind Arrivau, an Australian finance business. That is worth knowing up front: this is not an unaffiliated publication, and it does not present itself as one. The site itself does not originate loans, hold a credit licence, or arrange credit — nothing here is an offer, an assessment or a recommendation.
If you choose to leave your contact details, they are passed to Arrivau, the licensed home loan broker we work with, so they can follow up with you. Conversations with the site assistant are saved to provide the service. See the Privacy Policy for what is collected and why.
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
- Disclosure over posturing: the publisher is named above rather than implied. No lender pays to appear here, and no page is ranked or ordered for payment.
- Sourced and dated: scheme rules, thresholds and government charges link to the agency that sets them, and carry the date they were checked. Where a figure is a lender’s own, it is described as that lender’s published figure.
- Method, not snapshots: guides explain how a number is arrived at, so they stay useful after the number changes. Where a page has not been rechecked recently, the review date says so rather than implying it is current.
Technology
- Stack: Astro 5 + Tailwind CSS + Cloudflare Pages (static pages, no advertising or cookie-based 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), a mortgage broker 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 mortgage broker 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.