Australian Capital Territory Home Loans, September 2026
Compare owner-occupier home loans for Australian Capital Territory. Check each product’s interest rate, comparison rate, fees and eligibility, then explore the grants and concessions for buyers in Canberra and regional ACT.
About these dates
Live rates updated 21 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.
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.
What changes when you compare home loans in Australian Capital Territory
The lenders on this page price nationally, your interest rate is the same buying in Canberra as it is anywhere else. What does change is the cash going in. First home buyers in ACT can combine the Home Buyer Concession Scheme (which replaces the FHOG in ACT) with the state 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) and the federal Home Guarantee Scheme cap of $1,000,000. Those three together can shift your minimum deposit by tens of thousands without ever touching the rate column above.
Buying to live in yourself? See Australian Capital Territory owner-occupier home loans. Buying to rent out? See Australian Capital Territory investor home loans for the loan features and rate spread specific to landlords.
Shopping by deposit size instead? Australian Capital Territory owner-occupier rates are broken out at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible), and Australian Capital Territory investor rates the same way at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible).
Source: ACT Revenue Office · Verified September 2026. Cap data from Housing Australia. 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 |
How can I compare home loan rates in Australian Capital Territory?
Compare the interest rate and comparison rate for the same loan, then check fees, repayment type and features such as offset or redraw. A comparison rate helps compare costs, but the loan amount, term and eligibility also matter. Use the repayment calculator to explore repayments for your loan amount and term.
One cap for the whole ACT
Every other state and territory splits its Home Guarantee Scheme price cap between the capital and everywhere else, even South Australia, Tasmania and the Northern Territory, which name zero individual regional centres but still keep a capital-versus-rest split. The ACT doesn’t split at all: Housing Australia sets a single $1,000,000 cap covering the entire territory, from central Canberra to Tuggeranong, Belconnen and Gungahlin, with no "regional ACT" carve-out or discount the way regional NSW or regional Victoria get one. Rates themselves aren’t affected either way, lenders price a loan the same regardless of postcode, so a Canberra refinance sees the exact same comparison-rate table above no matter which side of the territory it’s on.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
Australian Government 5% Deposit Scheme, no LMI
Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).
Source: firsthomebuyers.gov.au · Verified September 2026
First home buyer benefits in Australian Capital Territory
Australian Capital Territory home loan FAQs
What are the lowest home loan rates in Australian Capital Territory?
Compare the interest rate and comparison rate for each product in the Australian Capital Territory table, along with fees, repayment type and eligibility. The lowest advertised rate is not necessarily the lowest total cost for your loan. Grants and concessions for ACT have separate eligibility requirements.
What is the First Home Owner Grant in ACT?
ACT no longer runs a traditional First Home Owner Grant, it has been replaced by a stamp duty concession scheme for eligible first home buyers. See the schemes panel above and ACT Revenue Office for the current thresholds.
Do first home buyers pay stamp duty in ACT?
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 property price cap in ACT?
$1,000,000 Under the federal Home Guarantee Scheme, eligible buyers in ACT can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, the government guarantees the difference. It works with any lender on the scheme's panel, including several on the table above.
Do home loan rates differ between Canberra and regional ACT?
No. The lenders on this page price nationally, so a buyer in regional ACT is offered exactly the same rate as one in Canberra. What does differ by location is eligibility for the Home Guarantee Scheme's regional-centre price cap, and in some states, a region-specific first home buyer program, both covered above.