Australian Capital Territory investment home loans at 90% LVR, June 2026
Products that accept 90% LVR (10% deposit) in ACT, ranked sharpest-first by comparison rate. LMI required · most second-tier lenders price-aggressive here.
Rates updated |1,211 products|85+ Australian lenders
Filters1
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in June 2026
Top picks for investment home loans at 90% LVR in Australian Capital Territory — same 85+-lender panel, ranked sharpest-first (currently 5.74% at low-LVR tiers).
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
90%
Fixed rate
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
90%
Interest only
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
90%
OnlineVirgin Money Lite Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.86%p.a.
Monthly repayment
$2,947
LVR 80–90%
OnlineUnloan Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
—
Monthly repayment
$2,962
LVR 80–90%
OnlineME Bank CompleteME Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Aggregate split refi loans to meet $700k minimum (same customer, same submission)
- Mixed refi + purchase apps eligible — one $3k per application
- Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.89%p.a.
Comparison*
5.94%p.a.
Monthly repayment
$2,962
LVR 80–90%
Regional Australia Bank Home Loan (Fixed Investor)
Investor3y FixedInterest only
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 80–90%
Your Way Plus Fixed Interest Only Home Loan Investor
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,011
LVR 80–90%
3 Year Fixed (Package)
Investor3y FixedInterest onlyExtra repayments
Interest
6.09%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,027
LVR 80–90%
Macquarie Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,027
LVR 80–90%
Basic Variable Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR 81–90%
NRMA Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$2,978
LVR 80–90%
Basic Investment Loan Fixed IO
Investor1y FixedInterest onlyExtra repayments
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$3,043
LVR 80–90%
FlexiChoice Residential Investment Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,075
LVR 80–90%
Economy Variable Home Loan
InvestorVariableP&IRedrawExtra repayments$2,000 cashback
Interest
6.13%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,040
LVR 80–90%
Fair Dinkum Investment Home Loan
InvestorVariableP&IExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 80–90%
1 Year Fixed Residential Investment
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,011
LVR 70–90%
Discount Variable - Investment
InvestorVariableP&IRedrawExtra repayments
Interest
6.39%p.a.
29d ago
Comparison*
6.40%p.a.
Monthly repayment
$3,124
LVR 80–90%
Bendigo Flex Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.49%p.a.
Monthly repayment
$3,124
LVR 80–90%
Premier Package Home Loan Investment 4 year fixed LVR >80% <90%
Investor4y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR 80–90%
Firefighters Mutual Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
36d ago
Comparison*
6.56%p.a.
Monthly repayment
$3,157
LVR 80–90%
Health Professionals Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
36d ago
Comparison*
6.56%p.a.
Monthly repayment
$3,157
LVR 80–90%
Your Way Plus Fixed Home Loan Investor
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.57%p.a.
Monthly repayment
$3,174
LVR 80–90%
OnlineFlex - Fixed INV P&I
Investor1y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR 85–90%
Standard Variable Rate - Home Package Plus Special Offers
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.26%p.a.
Comparison*
6.61%p.a.
Monthly repayment
$3,082
LVR 80–90%
AFG Alpha Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
33d ago
Comparison*
6.62%p.a.
Monthly repayment
$3,141
LVR 80–90%
1 year Fixed Rate Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.70%p.a.
Monthly repayment
$3,207
LVR ≤90%
Simple Home Loan (Investment)
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.72%p.a.
Monthly repayment
$3,108
LVR 80–90%
Investment RateSaver Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.77%p.a.
Monthly repayment
$3,240
LVR 81–95%
OnlineTiimely Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.80%p.a.
Monthly repayment
$3,207
LVR 80–90%
OnlineQANTAS Money Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.86%p.a.
Monthly repayment
$3,207
LVR 80–90%
ANZ Simplicity PLUS
InvestorVariableInterest onlyRedrawExtra repayments$3,000 cashback
Interest
6.44%p.a.
Comparison*
6.87%p.a.
Monthly repayment
$3,141
LVR 80–90%
Aussie Elevate Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.87%p.a.
Monthly repayment
$3,223
LVR 80–90%
*Important Information and Comparison Rate 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.
90% LVR in ACT
What changes at 90% LVR (10% deposit) in Australian Capital Territory
At 90% LVR (10% deposit) Lenders Mortgage Insurance is required by every lender on the panel (except the small set with genuine LMI-waiver programs — typically for professionals, FHBs in Government Guarantee, or specific second-tier banks). For investors in ACT, the LMI premium on a $500K loan at 90% LVR typically runs $7,000–$11,000 added to the loan balance. Some second-tier banks price more aggressively at 90% than at 80% because their CRM team chases this LTV bracket.
See also our LMI calculator, borrowing-power calculator, and Australian Capital Territory investment home loans for the full panel at any LVR. Verified April 2026.