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New South Wales Owner-Occupier Home Loans, June 2026

Sharpest comparison rates for owner-occupiers buying in NSW, ranked by comparison rate. Framed against the FHOG, stamp duty bands and HGS cap that apply when you settle in Sydney or regional NSW.

Rates updated |1,298 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in June 2026

Top picks for owner-occupier home loans in New South Wales — same 85+-lender panel, ranked sharpest-first.

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
People's Choice and HeritageDiscount Variable - Owner Occupied
5.84%
5.85%
80%
Fixed rate
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
80%
Interest only
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
80%
Unloan logoOnline
Unloan Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
—
Monthly repayment
$2,962
LVR ≤80%
More details
ME Bank - ME Go logoOnline
ME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra 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%
More details
Firefighters Mutual Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
36d ago
Comparison*
6.10%p.a.
Monthly repayment
$3,011
LVR 70–80%
More details
Health Professionals Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
36d ago
Comparison*
6.10%p.a.
Monthly repayment
$3,011
LVR 70–80%
More details
Auswide Bank Ltd logo
BASIC HOME LOAN
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
20d ago
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR —
More details
Maitland Mutual Limited logo
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.19%p.a.
Monthly repayment
$3,059
LVR —
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.

Owner-occupier in NSW

What changes when you compare owner-occupier loans in New South Wales

Owner-occupier pricing on the panel above is national — the rate is the same buying in Sydney as it is anywhere else. What does change is the cash going in. NSW buyers can combine the $10,000 First Home Owner Grant with the state stamp duty concession (full exemption on new or existing homes ≤ $800,000; concessional rates from $800,000 to $1,000,000) and the federal Home Guarantee Scheme cap of $1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW). Those three together can shift your minimum deposit by tens of thousands without ever touching the rate column above.

Source: Revenue NSW · Verified April 2026. Cap data from Housing Australia. See also our stamp duty calculator.

Federal scheme · Available nationwide

Home Guarantee Scheme — 5% deposit, 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 Guarantee
5% deposit, no LMI
Regional FHB Guarantee
5% deposit, regional only
Family Home Guarantee
2% deposit, single parents

Source: housingaustralia.gov.au · Verified April 2026

Your state — pick to see grants & concessions
State schemes · New South Wales

First home buyer benefits in New South Wales

First Home Owner Grant (FHOG)
$10,000— Buying or building a new home valued ≤ $600,000, or new house-and-land package ≤ $750,000.
Stamp duty concession
Full exemption on new or existing homes ≤ $800,000; concessional rates from $800,000 to $1,000,000.
Home Guarantee Scheme property cap
Maximum property price for the federal 5%-deposit scheme in New South Wales: $1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW).
Source: Revenue NSW · Verified April 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 →