Owner Occupied Loans

Owner-occupied loans offer an excellent opportunity for anyone looking to purchase their first home, upgrade their home or refinance.

With competitive rates and flexible terms, these loans can make your dream of homeownership a reality. If you're considering buying a home, explore your options and find a loan that suits your financial needs.

Home Sweet Home Loan

Find your home sweet home with our competitive variable rate.

5.14 % p.a.
Interest rate
5.84 % p.a.
Comparison rate

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Features & fees

Fixed Home Loan - Principal & Interest

Our Fixed Rate Home Loan provides peace of mind that comes from knowing your rate & payment remain the same for a fixed period of time.

5.24 % p.a.
Interest rate
5.75 % p.a.
Comparison rate

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Features & fees

First Home Buyer Loan

To support new first home buyers, we’re offering this discounted rate designed to make entering the housing market more achievable. Enjoy a quick answer on your loan application and no annual, monthly or establishment fees

4.99 % p.a.
Interest rate
4.99 % p.a.
Comparison rate

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Features & fees

Refinance With Horizon

Bank better with Horizon. Refinancing can be a valuable financial tool for homeowners seeking to improve their loan terms, lower payments, or access equity.

Have a question?

Request a call back from a lending specialist

Ready to apply?

Complete your online application today

Get in touch

Phone, email, or in-branch. We are here to help!

Other important information

Important Information

¹ Terms and conditions, fees & charges apply and are available on application. Approval conditions apply. The loan is secured and the rate is variable. Additional fees and charges will apply. The establishment fee is for one property, one mortgage preparation and one property valuation only. SPECIAL DISCOUNT RATE - The rate includes a 0.60%p.a. honeymoon discount for 2 years. Available for new business only.
² The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Fixed rate reverts to our Home Sweet Home Loan rate after fixed term period.
⁴ The comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All loans are secured. Fixed interest rate home loans are fixed for the term specified in the Offer and Loan Contract after which the interest rate will revert to the Home Sweet Home Loan variable interest rate applicable at the time. The standard variable rate is published at each Horizon Bank branch. Terms and Conditions, fees and charges apply and are available on request.
⁵ Terms and conditions, fees & charges apply and are available on application. Approval conditions apply. The loan is secured and the rate is variable. All borrowers must be first home buyers and must have not previously purchased property in Australia.