Buying a home to live in is one of life’s most rewarding milestones. An owner-occupier loan is designed specifically for individuals or families purchasing their primary place of residence, rather than an investment property.

These loans generally come with lower interest rates, as lenders view them as less risky than investment loans. They can be structured as fixed, variable, or split loans, depending on your goals. Whether you’re a first-home buyer, upsizing, or refinancing your current property, an owner-occupier loan through Artisan Finance ensures you have access to multiple lenders not just one bank’s products so you can make an informed choice that suits your lifestyle and financial goals.

The Advantages of Owning, Not Renting

Lower Interest Rates

Owner-occupier home loans often attract lower rates, helping you save on repayments over the life of your loan.

Flexible Loan Features

Access offset accounts, redraw facilities, and flexible repayment options designed to suit your cash flow and goals.

Build Equity and Security

Paying down your own home helps you build long-term wealth and provides a sense of stability that renting can’t match.

Access to Government Incentives

Eligible buyers may benefit from First Home Owner Grants, stamp duty concessions, or other government initiatives, giving you a head start on home ownership.

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Office

1 Macquarie Pl, Sydney NSW 2000

Contact

contact@artisanfinance.com.au

Open Hours

Monday to Friday: 8:30am – 5:30pm

Frequently Asked Questions: Owner Occupier Loans

Common Questions From Owner Occupiers. Need more assistance?

An owner-occupier loan is a type of home loan used to purchase or refinance the property you live in as your main residence. It’s designed for people buying their own home, not an investment property.

No, interest on your own home is generally not tax-deductible unless a portion of the property is used for income-producing purposes, such as a home office or rental arrangement.

By working with Artisan Finance, you gain access to a panel of lenders and products across the market. We compare rates, features, and fees to find the most competitive loan that fits your financial goals.

Yes, lenders typically offer lower rates on owner-occupier loans because they’re considered lower risk compared to investment loans.

You can, but you must notify your lender if your living situation changes. Once the property becomes an investment, the loan may be reclassified, and your interest rate and conditions may change.

An owner-occupier loan is for homes you live in; an investment loan is for properties you rent out. Investment loans often have higher rates and stricter lending criteria.

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