Owner Occupied Home Loans

Purchasing a property to live in is a significant financial commitment. Owner occupied loans are typically structured for individuals or families buying a home to reside in, rather than for investment purposes. Depending on the lender, these loans may offer different rates and features compared to investment loans.

What’s Typically Included in an Owner Occupied Home Loan?

• Interest rates that may be lower than those for investment loans
• Flexible repayment options such as weekly, fortnightly, or monthly
• Optional offset accounts to help reduce interest payable
• Redraw facilities, subject to lender conditions
• Fixed, variable, or split loan rate options

Your Next Steps

1. Assess your financial position and borrowing capacity
2. Obtain conditional pre-approval to better understand your budget
3. Search for a suitable property within your approved range
4. Complete your final loan application with our guidance
5. Proceed to settlement and move into your new home

JR Finance Solutions is here to support you throughout the home loan journey — from assessing your needs to navigating loan approval and beyond.

Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

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