Interest
6.59%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.63%p.a.
Est. repayment
$3,190
LVR 80 to 95%
Australian Capital Territory investment home loans at 95% LVR, October 2026
Products that accept 95% LVR (5% deposit) in ACT, ranked sharpest-first by comparison rate. Home Guarantee Scheme eligible · LMI waived for qualifying buyers.
RBA cash rate 4.60%(effective 30 September 2026)·As at ·5,679 products·50+ Australian lenders
About these dates
Live rates updated 17 October 2026. Verified snapshot dated 8 October 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.
Sorted by comparison rate18 products shown
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in October 2026
Reviewed by the Ratesniffers Editorial Team, October 2026
Top picks for investment home loans at 95% LVR in Australian Capital Territory, same 50+-lender panel, ranked sharpest-first (currently 6.19% at low-LVR tiers).
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Australian Military BankRateSaver Home Loan 80% - 95% LVR Investment P&I
6.59%
6.63%
95%
Fixed rate
GMCUFixed Rate Home Loan - Investment
6.34%
6.86%
95%
Interest
6.64%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,207
LVR ≤95%
Interest
6.64%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,207
LVR ≤95%
Interest
6.64%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,207
LVR ≤95%
Interest
6.64%p.a.
Updating +25bp · eff 9 Oct
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR 80 to 95%
Interest
6.94%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,306
LVR ≤95%
Bank of Queensland LimitedClear Path Variable Rate Home Loan >90% LVR >$150k Investment P&I (Existing customers only)
VariableOffsetRedraw
Interest
7.24%p.a.
Updating +25bp · eff 2 Oct
Comparison*
7.34%p.a.
Est. repayment
$3,407
LVR 90 to 95%
Show 8 more products
Interest
6.99%p.a.
Updating +25bp · eff 9 Oct
Comparison*
7.35%p.a.
Est. repayment
$3,323
LVR 80 to 95%
Interest
7.64%p.a.
Updating +25bp · eff 8 Oct
Comparison*
7.66%p.a.
Est. repayment
$3,544
LVR 90 to 95%
Hejaz Financial ServicesEssentials Home Loan Full Doc Investment 90% - 95% LVR <$800k P&I
VariableOffsetRedraw
Interest
7.71%p.a.
Comparison*
8.06%p.a.
Est. repayment
$3,568
LVR 90 to 95%
AFG Home Loans - OptionsOptions Prime Full Doc (90% - 95% LVR <$2.5m) Investment P&I
VariableOffsetRedraw
Interest
8.59%p.a.
Updating +25bp · eff 9 Oct
Comparison*
8.74%p.a.
Est. repayment
$3,877
LVR 90 to 95%
*Important Information and Comparison Rate Warning
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.
95% LVR in ACT
What changes at 95% LVR (5% deposit) in Australian Capital Territory
At 95% LVR (5% deposit) the loan is only available to two categories of buyer: those qualifying under the federal Home Guarantee Scheme (LMI waived by the Government for FHBs + key workers + Regional buyers + single parents within the HGS cap of $1,000,000), and those paying a full LMI premium (typically $15K–$22K added to the loan on a $500K loan in ACT). Investor 95% LVR is rare, most lenders cap investment LVR at 90%, and HGS does not apply to investors.
See also our LMI calculator, borrowing-power calculator, and Australian Capital Territory investment home loans for the full panel at any LVR. Verified September 2026.