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We understand that buying a home is probably the most important - and expensive - purchase you'll ever make. Horizon have designed hassle free home loans at a low interest rate to make this venture even easier.

Home / Loans / Owner Occupied Loan / View all Home Loans

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SPECIAL Value Plus Home Loan

A special owner occupied home loan with the flexibility to repay and redraw.***

  • Competitive interest rate
  • Flexible repayments to suit your income cycle
  • Redraw available on additional repayments made
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4.19% pa
Interest Rate

4.36% pa
Comparison Rate*

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Platinum Loan

An owner occupied loan for loans over $150,000 and features a Platinum Loan bundle that includes a discounted rate, fee-free transaction banking and more!**

  • Discounted rate
  • Fee-free transaction banking
  • 10% discount on general insurance in the first year
  • No credit union loan establishment fees
  • Fee-free Visa Credit Card
  • Fee-free Visa Debit Card
  • Free SMS alerts
  • Free phone banking
  • You can pay extra to pay off your loan faster
  • Redraw available on additional repayments
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4.59% pa
Interest Rate

4.74% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

KickStart First Home Buyer Loan

A fully-featured owner occupied home loan at a great rate that is designed especially for first home buyers.

  • Fully-featured to suit your needs
  • Pay extra to pay your loan off faster
  • Redraw available on additional repayments made
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4.44% pa
Interest Rate

4.60% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

Family Equity Loan

The Family Equity Loan allows family members to use the available equity in their home or investment property to provide additional security to help cover any borrowing shortfalls between the deposit and loan amount.#

  • Borrow up to 100% of the new property's value
  • Possibly save thousands by avoiding Lender's Mortgage Insurance
  • Available on most of our home loans
Find out more
  Apply Online Key Fact SheetAsk Horizon

Mortgage Breaker 100% Offset loan

The Mortgage Breaker allows you to have a savings account of which 100% of the balance is offset against your owner occupied home loan saving you money because of the reduced amount of interest charged.

  • Save on interest with a 100% offset account
  • Flexible repayments to suit your income cycle
  • Pay extra to pay your loan off faster
  • Redraw available on additional repayments made

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4.69% pa
Interest Rate

4.91% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

Classic Home Loan

An owner occupied home loan that offers real flexibility so you can manage your mortgage as you choose.

  • Competitive interest rate
  • Fully-featured to suit your needs
  • Pay extra to pay your loan off faster
  • Redraw available on additional repayments made
Find out more

5.09% pa
Interest Rate

5.10% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

Basic Home Loan

A straight forward owner occupied home loan that's flexible to your needs.

  • Competitive interest rate
  • Flexible repayments to suit your income cycle
  • Redraw available on additional repayments made
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4.69% pa
Interest Rate

4.82% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

Fixed Rate Home Loan

Provides you with the peace of mind that comes from knowing that your rates and payments remain the same for a fixed period of time for your owner occupied loan.

  • Fixed rate at your choice of 1, 2, 3 or 5 years
  • Flexible repayments to suit your income cycle
  • Competitive interest rates
  • Redraw available on additional repayments made
  • Pay as much off the loan as you like as long as you do not repay the loan in full. Fees may apply, if over a 12 month period, $30,000 or more is repaid over and above scheduled repayment amounts
  • Our fixed interest home loans are fixed for the term specified after which the interest rate reverts to the Horizon Basic Home Loan standard variable rate.
The rate quoted here is for 1 year fixed.

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3.99% pa
Interest Rate

4.69% pa
Comparison Rate*

Apply Online Key Fact SheetAsk Horizon

Handyloan Secured Line of Credit

Draw on a larger amount of money secured by a line of credit to purchase or build an owner occupied house.

  • Fully-featured to suit your needs
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5.09% pa
Interest Rate

Apply OnlineAsk Horizon

Home Loan Comparison Table

Compare our home loans to find the right home loan to suit you.

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  Additional Information

* 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.

** Terms and conditions, fees & charges apply and are available on application. The Platinum Loan has an annual fee; this is published in the Loan Fees & Charges brochure. Approval conditions apply. The loan is secured & the rate is variable. Discounted insurance for the first year of the loan on general insurance - motor vehicle, home and contents. Normal every day transactions are fee free. See the Miscellaneous Fees & Charges brochure for occasions where the fees are not absorbed. Fee-free Visa Debit and Credit Card relates to the annual or monthly credit union fee. A Product Disclosure Statement (PDS) is available for all non-loan products from any office of Horizon Credit Union. You should consider the PDS in deciding whether to hold or buy the products. Third parties may charge for use of some facilities.

*** This loan product applies to new loans only. Please see Loan Fees & Charges brochure for details. 

# Family members who can provide their property as security include parents, grandparents, siblings, sons and daughters. The Family Equity Loan is not available for existing loans, refinances or investment property purchases. A Registered First Mortgage over purchased property and family member's property is required.