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.
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 (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:
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.