People First BankBasic Home Loan 80% - 90% LVR >$500k Investment P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.24%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR 80 to 90%
Northern Territory investment home loans at 90% LVR, October 2026
Products that accept 90% LVR (10% deposit) in NT, ranked sharpest-first by comparison rate. LMI required · most second-tier lenders price-aggressive here.
RBA cash rate 4.60%(effective 30 September 2026)·As at ·5,679 products·50+ Australian lenders
About these dates
Live rates updated 17 October 2026. Verified snapshot dated 8 October 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate24 products shown
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in October 2026
Reviewed by the Ratesniffers Editorial Team, October 2026
Top picks for investment home loans at 90% LVR in Northern Territory, same 50+-lender panel, ranked sharpest-first (currently 6.19% at low-LVR tiers).
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
People First BankBasic Home Loan 80% - 90% LVR >$500k Investment P&I LMI Waiver.
6.24%
6.24%
90%
Fixed rate
GMCUFixed Rate Home Loan - Investment
6.34%
6.86%
95%
Interest only
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Investment Interest Only
6.44%
6.68%
90%
Interest
6.59%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.59%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.59%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.63%p.a.
Est. repayment
$3,190
LVR 80 to 95%
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Investment Interest Only
VariableOffsetRedraw
Interest
6.44%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.68%p.a.
Est. repayment
$3,141
LVR 80 to 90%
Interest
6.49%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.76%p.a.
Est. repayment
$3,157
LVR 80 to 90%
Interest
6.74%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Bank of Queensland LimitedEconomy Variable Home Loan Investment 80% - 90% LVR P&I Special (Existing customers only)
VariableRedraw
Interest
6.69%p.a.
Updating +25bp · eff 2 Oct
Comparison*
6.80%p.a.
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.69%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.87%p.a.
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Show 14 more products
Interest
6.89%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.91%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.89%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.93%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.99%p.a.
Updating +25bp · eff 8 Oct
Comparison*
7.03%p.a.
Est. repayment
$3,323
LVR 80 to 90%
Interest
6.99%p.a.
Updating +25bp · eff 8 Oct
Comparison*
7.03%p.a.
Est. repayment
$3,323
LVR 80 to 90%
Interest
6.99%p.a.
Updating +25bp · eff 8 Oct
Comparison*
7.03%p.a.
Est. repayment
$3,323
LVR 80 to 90%
Interest
6.98%p.a.
Updating +25bp · eff 9 Oct
Comparison*
7.10%p.a.
Est. repayment
$3,320
LVR 80 to 90%
Interest
6.98%p.a.
Updating +25bp · eff 9 Oct
Comparison*
7.10%p.a.
Est. repayment
$3,320
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,273
LVR ≤90%
National Australia BankTailored Home Loan Standard 5 Year Fixed Investment 80% - 90% LVR P&I
5y Fixed
Interest
7.09%p.a.
Updating +25bp · eff 9 Oct
Comparison*
7.32%p.a.
Est. repayment
$3,357
LVR 80 to 90%
Interest
7.10%p.a.
Updating +25bp · eff 15 Oct
Comparison*
7.32%p.a.
Est. repayment
$3,360
LVR 80 to 90%
*Important Information and Comparison Rate Warning
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 NT
What changes at 90% LVR (10% deposit) in Northern Territory
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 NT, 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 Northern Territory investment home loans for the full panel at any LVR. Verified September 2026.