Compare Low Deposit Home Loans

Compare our lowest low deposit home loan rates & repayments. Today's top deals from 30+ banks and specialty lenders.

We can negotiate a lower rate. Talk to us!

Low Deposit Home Loans all allow you to borrow up to 95% of the value of the property (95%LVR). These loans are often better suited to low deposit borrowers. If your deposit is smaller than you'd like, there are still lenders out there who will lend you money for your home.

Compare All Home Loan Rates & Repayments


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Lender
Loan Details
Interest
Comparison
Repayments
  1. Flexible Home Loan 2 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.99%
      p.a. Comparison
    • $1,788
      per month*
  2. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.88%
      p.a. Comparison
    • $1,788
      per month*
  3. Orange Advantage Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.51%
      p.a. Comparison
    • $1,805
      per month*
  4. Fixed Rate Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.79%
      p.a. fixed
    • 4.38%
      p.a. Comparison
    • $1,807
      per month*
  5. NAB Home Plus Standard 2 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.50%
      p.a. Comparison
    • $1,809
      per month*
  6. Orange Advantage Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.74%
      p.a. fixed
    • 4.59%
      p.a. Comparison
    • $1,814
      per month*
  7. Fixed Rate Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. fixed
    • 4.44%
      p.a. Comparison
    • $1,817
      per month*
  8. Flexible Home Loan with Member Package 2 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.72%
      p.a. Comparison
    • $1,821
      per month*
  9. Flexible Home Loan with Member Package 3 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.69%
      p.a. fixed
    • 4.64%
      p.a. Comparison
    • $1,821
      per month*
  10. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. fixed
    • 4.87%
      p.a. Comparison
    • $1,822
      per month*
  11. Tailored Home Loan 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.85%
      p.a. fixed
    • 5.07%
      p.a. Comparison
    • $1,827
      per month*
  12. NAB Home Plus Standard 2 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.85%
      p.a. fixed
    • 4.52%
      p.a. Comparison
    • $1,829
      per month*
  13. Tailored Home Loan Choice Package 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.46%
      p.a. Comparison
    • $1,832
      per month*
  14. Advantage Home Loan Package 2 Year Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.62%
      p.a. Comparison
    • $1,832
      per month*
  15. Advantage Package 2 Yrs Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.62%
      p.a. Comparison
    • $1,832
      per month*
  16. Premier Advantage Fixed Options Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.53%
      p.a. Comparison
    • $1,832
      per month*
  17. Advantage Package 2 Yr Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.56%
      p.a. Comparison
    • $1,832
      per month*
  18. Homeloans Optima 2 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.93%
      p.a. fixed
    • 4.12%
      p.a. Comparison
    • $1,834
      per month*
  19. Basic Home Loan Fixed 2 Years up to

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.94%
      p.a. fixed
    • 4.15%
      p.a. Comparison
    • $1,836
      per month*
  20. NAB Home Plus Standard 3 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.89%
      p.a. fixed
    • 4.47%
      p.a. Comparison
    • $1,836
      per month*
  21. Pinnacle 2 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.94%
      p.a. fixed
    • 4.67%
      p.a. Comparison
    • $1,836
      per month*
  22. Pinnacle 3 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.94%
      p.a. fixed
    • 4.60%
      p.a. Comparison
    • $1,836
      per month*
  23. Fixed Rate Home Loan 2 Year

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.07%
      p.a. Comparison
    • $1,838
      per month*
  24. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.13%
      p.a. Comparison
    • $1,838
      per month*
  25. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.13%
      p.a. Comparison
    • $1,838
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided