OZD Accounting & Business Advisory
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home loan

Get the Right Home Loan — Not Just a Rate

At OZD Advisory, a home loan is never “one-size-fits-all”. We look beyond the headline rate and help you choose a loan structure that supports your lifestyle now and your future borrowing power.

 

Why Get Your Home Loan Through OZD Advisory?

  1. CFO-level perspective
    Your home loan strategy is reviewed by an experienced accountant and CFO — not just a broker ticking boxes.

  2. Lender & product comparison
    We compare a range of lenders and loan options to find the best fit for your goals — not theirs.

  3. Structure-aware advice
    We help you choose the right mix of variable/fixed, offset/redraw, and loan splits so you can stay flexible and in control.

  4. End-to-end guidance
    From pre-approval to settlement, we handle the paperwork and lender communication so you can focus on moving forward.

 

When Should You Speak to a Broker About a Home Loan?

It’s worth getting advice early if you’re:

  • Buying your first home or re-entering the market

  • Upgrading (bigger home, better location)

  • Self-employed or earning irregular income

  • Planning a renovation or construction build

  • Considering a guarantor structure (e.g., family support)

  • Wanting an offset strategy to reduce interest faster

  • Unsure whether to choose fixed vs variable (or split)

  • Wanting clarity on borrowing capacity and next steps

Already have a loan and looking to switch? Visit our Refinancing page.

 

Home Loan Types We Help With

  • First Home Buyer Loans
    Guidance on deposit planning, grants (where applicable), LMI considerations, and a smooth approval pathway.

  • Owner-Occupied Purchase Loans
    Structure your loan for flexibility, cash flow comfort, and faster debt reduction.

  • Construction & Renovation Loans
    Stage payments, timelines, and lender requirements explained clearly — with strategy upfront.

  • Low-Doc / Self-Employed Home Loans
    Help presenting your income properly and choosing lenders that understand your profile.

  • Guarantor & Family-Assisted Loans
    Sensible structuring with clear risk awareness for everyone involved.

  • Bridging Finance (when suitable)
    If you’re buying before selling, we help assess whether bridging is appropriate and how to manage the risks.

 

Our Home Loan Process

  1. Discovery & Borrowing Power Check
    We review your income, expenses, liabilities and goals, then estimate borrowing capacity and options.

  2. Pre-Approval Strategy
    We select suitable lenders, choose the right product features, and position your application strongly.

  3. Application & Lender Management
    We coordinate the documents, submit the application, and manage lender questions through to approval.

  4. Settlement & Next-Step Planning
    We work with your conveyancer and lender to settle smoothly — and help you plan offsets/splits for the long-term.

 

Accounting + Advisory + Mortgage Broking Under One Roof

Because OZD Advisory combines accounting, business advisory and mortgage broking, your home loan isn’t assessed in isolation. We consider how your loan impacts:

  • Your cash flow and lifestyle buffers

  • Your future borrowing power (especially if you plan to invest later)

  • The right structure and features (offset, splits, repayment type)

  • Your broader wealth strategy — not just the next 12 months

You’re not just getting a broker — you’re getting a strategic finance partner.

 

Home Loans – Frequently Asked Questions

Q1. How much can I borrow?
It depends on your income, existing debts, expenses, and lender servicing rules. We’ll run a realistic borrowing power check and explain what’s achievable.

Q2. How much deposit do I need?
Many buyers aim for a 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, there are also options to buy with a smaller deposit depending on your situation (income, credit history, property type, etc.).

If you’re eligible, you may be able to purchase with as little as 2% deposit under the Victorian Homebuyer Fund (shared equity), where the Victorian Government contributes up to 25% of the property price (so you borrow less). This can significantly reduce your upfront deposit requirement and potentially avoid LMI.

There are also other low-deposit pathways (e.g., 5% deposit options and certain government guarantee schemes where eligible), but the best approach depends on your profile and timeline — we’ll help you compare the real cost, not just the deposit amount.

Q3. Fixed, variable, or split — what’s best?
There’s no universal best option. We help you choose based on your risk tolerance, cash flow, and whether you want the flexibility of an offset.

Q4. How long does pre-approval take?
Timeframes vary by lender and your situation. Most pre-approvals are completed within days to a couple of weeks once documents are ready.

Q5. How much does it cost to use OZD Advisory for a home loan?
It is FREE for you!

Ready to buy with confidence?
We’ll run the numbers, compare options, and give you clear, practical guidance.

 

Credit Assistance Disclaimer:

Credit assistance is provided by Purple Circle Financial Services Pty Ltd (Australian Credit Licence ACL 486112) under authorisation number ACL 643901295.
OZD Advisory Pty Ltd is a corporate authorised representative of Purple Circle Financial Services Pty Ltd and acts as a mortgage broker under this licence.

The information on this page is general in nature and does not constitute personal credit advice. Before making any decision about credit, please consider your objectives, financial situation, and needs, and seek appropriate professional advice.