Owner occupier loan interest rates

You're in good hands with Euphoria Loans

We can help you find the best loan that's tailored to your exact financial situation and needs a lot faster than any online calculator. At Euphoria Loans we are Sydney's # 1 home loan company specialising in personalised service and ensuring you get the best home loan rates possible.

Starting from
5.24
%*
p.a
Comparison rate
5.26
%*
p.a
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Low Rate Home Loans

Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

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Choose from over 30 lenders

Euphoria Loans give you access to hundreds of great home loan deals from over 30 lenders, including all major Australian banks.

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Refinance Home Loans & Debt Consolidation

Whether it is refinancing your existing home loan to a cheaper and better loan or consolidating your personal and credit card to better manage your finances. Euphoria Loans has it covered for you.

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No Hassle Finance

We will do all the legwork for you and get you the loan that suits your circumstances best. With Euphoria Loans you can sit back and relax while we organise your finance.

Get expert advice
at no cost to you

We can help you find the best loan that's tailored to your exact financial situation and needs a lot faster than any online calculator.

BOOK YOUR FREE CONSULTATION
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Buying a new home but not sure where to begin?

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially in the Sydney market with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

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Are you paying too much on your home loan?

Are you getting the best rate for your home loan? Many Australians are paying more interest than they should be. The team at Euphoria Loans will help you find the best home loan suited to your personal situation at no cost to you! Use the contact form on this page to learn how you can save thousands in interest over the life of your loan.

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Business

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

Ourcommercial loan specialists will assist you in finding the best finance optionfor your business.  Our services include finding:

  • Commercial property loans 

  • Finance to purchase a business or a franchise

  • Asset or vehicle finance

  • Unsecured and short term finance

Man holding house cardboard
Buying a new home but not sure where to begin?

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

Buying a new car or a boat and need a hand with the right finance option.  We can help you find the right type of finance for your vehicle.  We can assist with:

  • Purchase of a new or used vehicle

  • Secured vehicle loan / finance

  • Unsecured vehicle loan / finance

Investment home loan interest rates

Starting from
4.41
%*
p.a
Comparison rate
4.43
%*
p.a

Testimonials

See what our clients say about us.

Louie Celestino

Professional, reliable and creative. Kapil is more a loan adviser than a broker for me. Our loan structure is not the simplest and yet he was able to think out of the box and get us the loan we needed to buy our home.

We are happy with his service and would highly recommend him. In fact, I have been referring a few of my friends to him whenever the subject of a good broker comes up.

Our loan journey does not stop here though and I am looking forward to working more with Kapil as we solve more loan challenges ahead.

Steven Horvath

Excellent and helpful service. Kapil took the time to walk me through the process of refinancing my home loan, taking into account my banking needs and financial situation. Managed to obtain a really low rate for me. Looking forward to giving him a call for my next loan. Would recommend.

Update: Have just gone through the process of refinancing and Kapil guided me through the process and was available to answer questions I had about the process and the paperwork. The type of loan and rate suits my needs and was very competitive.

Anna Gomerski

My Husband and I approached Kapil for help with buying our first home recently. He provided us with exceptional knowledge and guidance throughout the whole process. Kapil was always there to answer any questions we had, no matter how small they were. He answered in a timely manner. This made both of us put our minds at ease from start to finish. Kapil and his team were great to work with and we would recommend his service to our family and friends without hesitation. Kapil also gave us a follow-up call after we had settled our home loan to make sure we were happy and satisfied.

Thanks Kapil for all your help :)

Heather O’Neill

Fantastic service! We had previously dealt with other brokers/financial advisers and only been taken on a ride of false promises. Kapil and his team were both friendly and professional, and consistently upfront and honest, always quick to respond with any questions we had. They worked around our unique financial situation to find us the best possible outcome and we couldn't be happier. Will definitely be using Euphoria Loans in the future. Thank you!

Kwok Lam Yip

My partner and I reached out to Kapil when we bought our first home. We had no idea what the process and procedures would be and he patiently helped us every step of the way. We highly recommend his services!

Tanmay Shah

Kapil is a thorough professional who does his research based on facts. He bears extensive knowledge on the market health and thus offers valuable insights and purposeful suggestions with lots of options to select from. I had a great experience having Kapil help me secure a great deal on home loan... my first ever! Kapil is highly informative, courteous, calm and full of patience. He attended to all my questions and always addressed them; even when he was on a holiday! Kapil is exceedingly diligent and genuinely earnest. I am glad i chose Euphoria Loans and would undoubtedly choose them again for my next investments in the future. I sincerely recommend Euphoria Loans for any home loan services.

Helpful Articles

How to prepare finance to buy your dream property

Want to buy your dream home but not sure where to start? Your questions answered on how to prepare your finances for buying your home. Step by step guide to help you get your finances in order prior to buying property.

Should you consolidate your debt? What you need to know

Debt consolidation allows you to combine multiple debt payments into one single payment. It can be an effective way to simplify your finances, reduce debt faster and save money on interest charges.

Tips on finding the home loan option that suits your needs

Are you looking for a home loan but feeling overwhelmed by the sheer number of options available?Don’t worry, it’s not uncommon to feel this way.

Get your home loan pre-approval by calling us now.

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Home Loan Calculators

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