Compare all owner-occupier rates
September 2026
What home loan rates can I get with a 10% deposit?
A 10% deposit can open more options than a 5% deposit, though lenders mortgage insurance may still apply. The verified promoted snapshot is modelled at 80% LVR, so no 90% LVR market low is advertised here; verify each product's eligibility.
The verified promoted rate snapshot is modelled at 80% LVR, so it does not establish a market low for this deposit or borrower profile. The table can help you inspect currently listed products, but eligibility, lenders mortgage insurance and the rate offered must be confirmed for your application.
Reviewed by the Ratesniffers Editorial Team. No unsupported scenario-specific rate is promoted in this answer.
90% LVR rates, ranked by comparison rate
| Lender | Type | Rate p.a. | Comparison | Max LVR | Rate date |
|---|---|---|---|---|---|
| Newcastle Permanent Building Society | Variable | 5.94% | 5.98% | 95% | 24 Sept 2026 |
| Bank Australia | Variable | 6.13% | 6.13% | 90% | 24 Sept 2026 |
| MyState Bank | Variable | 6.19% | 6.25% | 90% | 24 Sept 2026 |
| Macquarie Bank Limited | Variable | 6.09% | 6.31% | 90% | 24 Sept 2026 |
| AFG Home Loans Alpha | Variable | 6.14% | 6.31% | 90% | 24 Sept 2026 |
| Bank of Sydney | Variable | 6.19% | 6.33% | 90% | 24 Sept 2026 |
| Australian Military Bank | Variable | 6.39% | 6.42% | 90% | 24 Sept 2026 |
| Bankwest | Variable | 6.49% | 6.52% | 90% | 24 Sept 2026 |
| Firefighters Mutual Bank | Variable | 6.29% | 6.59% | 90% | 24 Sept 2026 |
| Health Professionals Bank | Variable | 6.29% | 6.59% | 90% | 24 Sept 2026 |
Sorted by comparison rate. Each broad comparison row shows its own effective date; these rows do not drive the promoted answer or metadata.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Frequently asked questions
What home loan rates can I get with a 10% deposit?
The verified promoted rate snapshot is modelled at 80% LVR, so it does not establish a market low for this deposit or borrower profile. The table can help you inspect currently listed products, but eligibility, lenders mortgage insurance and the rate offered must be confirmed for your application.
How often are these rates updated?
Promoted rate claims use the verified 80% LVR snapshot dated 27 August 2026. Broader comparison-table rows may refresh more frequently, but they do not drive the answer capsule, metadata or sticky rate.
Is the lowest rate always the best loan for me?
Not always. The cheapest headline rate can come without features like an offset account, and your deposit size, income type and goals all change which loan suits you. Use the rate as a starting point, then weigh the features that matter to your situation.
What is a comparison rate?
A comparison rate folds most ongoing fees into a single percentage so you can weigh loans on their true cost rather than the advertised headline rate alone. It is the metric these rankings sort on.