Owner Occupied Loans
Whether you're upsizing, relocating, or simply making a lifestyle shift — we’ll help you secure a home loan that works for your future.
An owner occupied loan is a mortgage for buyers who will use the property as their main residence. Because lenders view owner-occupiers as lower-risk borrowers, these loans usually come with more competitive interest rates than investment loans.
Key features include:
Owner occupied loans are suited for:
Types of owner occupied Loans
Whether you're purchasing a new property or refinancing your existing one, we’ll guide you through:
We do the comparisons, you make the decisions — backed by data and real advice.
Owner Occupied Loan for Medical Professionals
If you're a doctor, dentist, nurse, or allied health worker, you may be eligible for specialised lending options such as the Professional Package Loan—including reduced LMI (lenders mortgage insurance) and more favourable lending terms. Ask us how we can help you take advantage of these benefits.
Not always. There are low deposit options available depending on your situation and profession. Let’s talk about what’s possible.
Yes, if your circumstances change, we can help you refinance into an owner occupied loan with better terms.
Yes, refinancing your home loan can help reduce repayments, access better features, or consolidate debts, depending on your eligibility and financial situation.
Turnaround times vary by lender, but we’ll keep things moving and keep you informed at every step.
Owner-occupied home loans often have lower interest rates than investor loans, helping reduce repayments and long-term costs. They also typically require a smaller deposit, with some lenders allowing purchases with as little as 5% (plus Lenders Mortgage Insurance), compared to 10% for investors.
With an owner-occupied loan, you can enjoy lower rates, flexible features, and the peace of mind of building a future in your own home. Let’s make it happen—talk to our friendly mortgage experts today and take the first step toward homeownership.
Prince Capital Solutions Pty Ltd ABN: 24 147 935 055 is an Australian Credit License #426244
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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