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New South Wales owner-occupier home loans at 95% LVR, June 2026

Products that accept 95% LVR (5% deposit) in NSW, ranked sharpest-first by comparison rate. Home Guarantee Scheme eligible · LMI waived for qualifying buyers.

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 at 95% LVR 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
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
Fixed rate
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
Interest only
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
ME Bank - ME Go logoOnline
ME Bank EconoME Home Loan
Owner-occupier4y FixedP&IRedrawExtra 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 90–95%
More details
Well Money logoOnline
Launchpad
Owner-occupierVariableP&I
Interest
6.26%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,082
LVR ≤95%
More details
IMB Bank logo
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.64%p.a.
Comparison*
6.70%p.a.
Monthly repayment
$3,207
LVR 91–95%
More details
Firefighters Mutual Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.69%p.a.
36d ago
Comparison*
6.76%p.a.
Monthly repayment
$3,223
LVR 90–98%
More details
Health Professionals Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.69%p.a.
36d ago
Comparison*
6.76%p.a.
Monthly repayment
$3,223
LVR 90–98%
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 NSW

What changes at 95% LVR (5% deposit) in New South Wales

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 $1,500,000 (Sydney + regional centres) / $800,000 (rest of NSW)), and those paying a full LMI premium (typically $15K–$22K added to the loan on a $500K loan in NSW). For NSW 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 New South Wales owner-occupier home loans for the full panel at any LVR. Verified April 2026.

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 →