New South Wales investment home loans at 80% LVR, June 2026
Products that accept 80% LVR (20% deposit) in NSW, ranked sharpest-first by comparison rate. no LMI · widest lender panel · sharpest comparison rates.
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 80% LVR in New South Wales — 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%
80%
Fixed rate
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
80%
Interest only
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
80%
OnlineVirgin Money Lite Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.86%p.a.
Monthly repayment
$2,947
LVR 70–80%
OnlineUnloan Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
—
Monthly repayment
$2,962
LVR ≤80%
OnlineME Bank EconoME Home Loan
InvestorVariableInterest onlyRedrawExtra 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 70–80%
NRMA Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Discount Variable - Investment
InvestorVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
29d ago
Comparison*
6.00%p.a.
Monthly repayment
$2,995
LVR 70–80%
Regional Australia Bank Home Loan (Fixed Investor)
Investor4y FixedP&I
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 70–80%
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 60–80%
2 Year Fixed (Non- Package)
Investor2y FixedInterest onlyExtra repayments
Interest
6.09%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,027
LVR ≤80%
Macquarie Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,027
LVR 70–80%
Basic Variable Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR 71–80%
Offset Investment Loan Fixed IO
Investor1y FixedInterest onlyOffsetExtra repayments
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$3,043
LVR 70–80%
AFG Alpha Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.14%p.a.
33d ago
Comparison*
6.16%p.a.
Monthly repayment
$3,043
LVR 70–80%
Real Deal Home Loan Investment Principal and Interest
InvestorVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
20d ago
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR ≤80%
Firefighters Mutual Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
36d ago
Comparison*
6.25%p.a.
Monthly repayment
$3,059
LVR 70–80%
Health Professionals Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
36d ago
Comparison*
6.25%p.a.
Monthly repayment
$3,059
LVR 70–80%
FlexiChoice Residential Investment Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,075
LVR 70–80%
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 70–80%
Mortgage Breaker Investment
InvestorVariableP&IOffsetExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
NAB Tailored Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.20%p.a.
Comparison*
6.29%p.a.
Monthly repayment
$3,062
LVR 70–80%
First Home Buyer Loan - Investment
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,011
LVR 70–90%
OnlineTiimely Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.35%p.a.
Monthly repayment
$3,108
LVR 70–80%
Aussie Elevate Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.41%p.a.
Monthly repayment
$3,124
LVR 70–80%
OnlineQANTAS Money Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.46%p.a.
Monthly repayment
$3,124
LVR 70–80%
Bendigo Flex Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.49%p.a.
Monthly repayment
$3,124
LVR ≤80%
Complete Home Loan Investment 2 year fixed LVR <80%
Investor2y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
Standard Variable Plus Investment
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
26d ago
Comparison*
6.55%p.a.
Monthly repayment
$3,124
LVR ≤80%
Investment RateSaver Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.57%p.a.
Monthly repayment
$3,174
LVR 71–80%
Your Way Plus Home Loan Investor
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.57%p.a.
Monthly repayment
$3,174
LVR 70–80%
OnlineFlex - Variable INV IO
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.26%p.a.
Comparison*
6.61%p.a.
Monthly repayment
$3,082
LVR 70–80%
*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 85+-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 April 2026.