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Australian Capital Territory owner-occupier home loans at 95% LVR, September 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 4.35%(effective 12 Aug 2026)|Rates updated |5,906 products|54 Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in September 2026

Reviewed by the Ratesniffers Editorial Team, September 2026

Top picks for owner-occupier home loans at 95% LVR in Australian Capital Territory, same 80+-lender panel, ranked sharpest-first (currently 6.03% at low-LVR tiers).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Bank of Queensland LimitedClear Path Variable Home Loan
6.03%
6.07%
95%
Fixed rate
GMCUFixed Rate Home Loan
6.39%
6.71%
95%
GMCU logo
Fixed Rate Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Verify, 71d old
Comparison*
6.71%p.a.
Monthly repayment
$3,124
LVR 80–95%
More details
*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.

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). For ACT FHBs, the HGS + state FHOG/stamp-duty stack is the cleanest path to 95% LVR ownership without an LMI bill.

See also our LMI calculator, borrowing-power calculator, and Australian Capital Territory owner-occupier home loans for the full panel at any LVR. Verified July 2026.

Federal scheme · Available nationwide

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).

First home buyers
5% deposit, no LMI
Scheme places
Unlimited, no waiting list
Single parents
2% deposit, no LMI

Source: firsthomebuyers.gov.au · Verified July 2026

Your state, pick to see grants & concessions
State schemes · Australian Capital Territory

First home buyer benefits in Australian Capital Territory

First Home Owner Grant (FHOG)
No cash grant in Australian Capital Territory. See stamp-duty concession below, it typically delivers more value than a flat grant.
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.
5% Deposit Scheme property cap
Maximum property price for the federal 5%-deposit scheme in Australian Capital Territory: $1,000,000.
Source: ACT Revenue Office · Verified July 2026. Grant amounts and property caps change, confirm with the linked source before applying.
Want help stacking these schemes for your scenario? Talk to a broker →