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New South Wales investment home loans at 80% LVR, September 2026

Products that accept 80% LVR (20% deposit) in NSW, ranked sharpest-first by comparison rate. no LMI · widest lender panel · sharpest comparison rates.

RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |6,431 products|50 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 investment home loans at 80% LVR in New South Wales, same 80+-lender panel, ranked sharpest-first (currently 6.17% 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
6.13%
6.17%
80%
IMB Bank logo
Budget Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
55d ago
Comparison*
6.30%p.a.
Monthly repayment
$3,075
LVR ≤80%
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.

80% LVR in NSW

What changes at 80% LVR (20% deposit) in New South Wales

At 80% LVR (20% deposit) you sit in the sweet spot of the Australian home-loan market. Lenders Mortgage Insurance doesn't apply, the full 80+-lender panel is available, and refinance cashbacks (where they exist) are gated at ≤80% LVR. The comparison rate you pay on an investment property in NSW at this LVR is essentially the floor, every step up from here is paid for in either an LMI premium or a tighter lender panel.

See also our LMI calculator, borrowing-power calculator, and New South Wales investment home loans for the full panel at any LVR. Verified July 2026.