RatesniffersRATESNIFFERS
LoginSign up

New South Wales investment home loans at 90% LVR, September 2026

Products that accept 90% LVR (10% deposit) in NSW, ranked sharpest-first by comparison rate. LMI required · most second-tier lenders price-aggressive here.

RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |6,431 products|50 Australian lenders
Advertisement
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 90% 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%
90%
Fixed rate
GMCUFixed Rate Home Loan - Investment
6.69%
6.93%
95%
Interest only
Bank of MelbourneVariable Home Loan with Offset
6.48%
6.52%
90%
IMB Bank logo
Budget Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.34%p.a.
55d ago
Comparison*
6.40%p.a.
Monthly repayment
$3,108
LVR 81–90%
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.

90% LVR in NSW

What changes at 90% LVR (10% deposit) in New South Wales

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 NSW, 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 New South Wales investment home loans for the full panel at any LVR. Verified July 2026.