Services — Owner Occupier

Let's get you moved into your new home.

You've found the property. Now let's make sure you get the right loan to go with it — the sharpest rate, the right structure, and no nasty surprises at settlement.

Owner occupier rates
Offset accounts
30+ lenders
Free service
Services — Owner Occupier

Get started today

Fill in your details and we'll be in touch to discuss your home loan options.

What's included
  • Owner occupier rates
  • Offset accounts
  • 30+ lenders
  • Free service
Key things to know
Sharper rates than your bankYour bank will offer you their rate. We compare 30+ lenders and negotiate on your behalf to find something better — often significantly so.
Fixed vs variable — the honest adviceWe'll give you a straight take on whether fixed or variable makes sense for your situation right now — not just whatever option benefits us.
Offset account setupAn offset account linked to your home loan can save you tens of thousands in interest over the life of the loan. We'll set you up right from day one.

Make an enquiry

Fill in your details and we'll be in touch to discuss your home loan options.

Name, email and phone required to proceed.

Your details are safe. We'll never spam you.

What we do for you

The right loan for
the home you love

01

Sharper rates than your bank

Your bank will offer you their rate. We compare 30+ lenders and negotiate on your behalf to find something better — often significantly so.

02

Fixed vs variable — the honest advice

We'll give you a straight take on whether fixed or variable makes sense for your situation right now — not just whatever option benefits us.

03

Offset account setup

An offset account linked to your home loan can save you tens of thousands in interest over the life of the loan. We'll set you up right from day one.

04

Right loan structure

P&I or interest only, split loans, redraw facilities — we match the right structure to your lifestyle and financial goals, not just the simplest option.

05

We handle everything

From application through to settlement, we manage the whole process. You stay updated without having to chase anyone or figure it out yourself.

06

Annual loan reviews

We don't disappear after settlement. We check in on your loan annually to make sure you're still getting a competitive rate — and refinance when it makes sense.

How it works

Simple steps,
real results

01

Tell us your situation

Quick chat about your property, deposit, income and goals. No paperwork needed at this stage.

02

We compare lenders

We shop 30+ lenders and come back with the best options — rate, features, and total cost compared.

03

Application submitted

Once you're happy we handle the full application, documents and lender communication.

04

Settled and sorted

Keys in hand, loan set up right. We stay in touch for the life of your loan.

Common questions

Owner occupier FAQs

What's the difference between owner occupier and investor rates?
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Owner occupier loans typically carry lower interest rates than investor loans because lenders see them as lower risk — you're more likely to prioritise repayments on the home you live in. We always make sure your loan is correctly classified to get you the best rate.
Should I go fixed or variable?
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How much can I borrow?
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How long does the process take?
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Ready to get your loan sorted?

Give us a call or fill in the form above and we'll find the right loan for your new home.

0403 172 610 info@kickfinance.com.au Book a call
Owner Occupier Home Loans Sydney | Kick Finance Mortgage Broker