Home loan rates in Canberra, September 2026
The sharpest owner-occupier rates available to Canberra buyers, ranked by comparison rate across 85+ lenders. Rates are priced nationally, so a Canberra buyer sees the same numbers as anyone in Australian Capital Territory; what changes is the value you borrow against and the ACT concessions that stack on top.
About these dates
Live rates updated 25 September 2026. Verified snapshot dated 27 August 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Top Home Loan Rates in September 2026
Reviewed by the Ratesniffers Editorial Team, September 2026
These are the standout rates for Canberra buyers right now, ranked sharpest-first by comparison rate (currently from 6.00%), rates as at 27 August 2026, with no paid placement.
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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.
Home loan rates in Canberra start from 5.94% p.a. today (as at September 2026), the lowest variable owner-occupier rate across 85+ Australian lenders. Rates are set nationally rather than by city, so a Canberra buyer sees the same numbers as anyone in Australian Capital Territory; what changes is the value you borrow against and the ACT concessions that stack on top.
What changes when you compare home loans in Canberra
Canberra runs a stamp duty concession scheme in place of a flat first home grant, so the cash advantage there comes through duty rather than a lump-sum payment. Your interest rate does not change with your postcode, but the size of the loan does, and so does the cash going in. First home buyers in Canberra can combine the Home Buyer Concession Scheme that replaces the grant in ACT with the ACT stamp duty concession and the federal Home Guarantee Scheme cap of $1,000,000. Those three can move your minimum deposit by tens of thousands without touching the rate column above.
Source: ACT Revenue Office · Verified September 2026. See also our stamp duty calculator.
ACT first home buyer concessions at a glance
| First home owner grant | Replaced by Home Buyer Concession Scheme |
|---|---|
| Stamp duty concession | Home Buyer Concession Scheme replaces FHOG. From 1 Jul 2026 the ACT Budget removed the scheme's income threshold and property price cap entirely: full stamp duty exemption for eligible first home buyers regardless of income or property value. |
| Home Guarantee Scheme cap | $1,000,000 |
What is the lowest home loan rate in Canberra right now?
Today the sharpest owner-occupier variable rate available to a Canberra buyer sits at 5.94%, with 1 of 85+ lenders priced under 6.00% and a panel median near 6.29%. Because lenders price nationally, that same rate is open to buyers right across Australian Capital Territory.
Canberra home loan rate FAQs
What are the lowest home loan rates in Canberra?
The lowest comparison rate on our panel right now is 6.00%, rates as at 27 August 2026, and sorted to the top of the table above. Home loan rates are not set by city, the same lenders price nationally, so a Canberra buyer can access exactly the same rates as anyone in Australian Capital Territory. What changes locally is the value you borrow against and the ACT concessions you stack on top.
How much would a typical Canberra home loan repayment be?
As an indicative example, a loan of around $840,000, which reflects an approximate Canberra dwelling value, repaid principal and interest over 30 years at today's lowest variable rate, sits in the range shown in the panel above. It is an indicative figure on an approximate value, not a quote, and your actual repayment depends on your rate, deposit and loan term.
What is the First Home Owner Grant for Canberra buyers?
ACT no longer runs a traditional First Home Owner Grant for Canberra buyers; it has been replaced by a stamp duty concession scheme for eligible first home buyers. See ACT Revenue Office for the current thresholds.
Do first home buyers pay stamp duty in Canberra?
Home Buyer Concession Scheme replaces FHOG. From 1 Jul 2026 the ACT Budget removed the scheme's income threshold and property price cap entirely: full stamp duty exemption for eligible first home buyers regardless of income or property value. These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: ACT Revenue Office.
What is the Home Guarantee Scheme price cap for Canberra?
$1,000,000 Under the federal Home Guarantee Scheme, eligible Canberra buyers can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, with the government guaranteeing the difference. It works with several lenders on the table above.