Queensland owner-occupier home loans at 80% LVR, October 2026

Products that accept 80% LVR (20% deposit) in QLD, ranked sharpest-first by comparison rate. no LMI · widest lender panel · sharpest comparison rates.

RBA cash rate 4.60%(effective 30 September 2026)·As at 17 October 2026·5,180 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 rate26 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 owner-occupier home loans at 80% LVR in Queensland, same 50+-lender panel, ranked sharpest-first (currently 5.99% at low-LVR tiers).

Type

Lender & product

Rate p.a.

Comp. rate p.a.*

Max LVR

Variable rate

Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR P&I

5.99%

80%

Fixed rate

GMCUFixed Rate Home Loan

6.19%

6.35%

80%

Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR P&I

VariableOffsetRedraw

Interest

5.99%p.a.

Comparison*

5.99%p.a.

Est. repayment

$2,995

LVR ≤80%

Enquire

The CapricornianNo Frills Home Loan Owner Occupied <80% LVR

VariableRedraw

Interest

5.99%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.03%p.a.

Est. repayment

$2,995

LVR ≤80%

Enquire

BCU BankOMG Home Loan Owner Occupied 60% - 80% LVR P&I

VariableRedraw

Interest

6.04%p.a.

Updating +25bp · eff 13 Oct

Comparison*

6.04%p.a.

Est. repayment

$3,011

LVR 60 to 80%

Enquire

People First BankBasic Home Loan 70% - 80% LVR Owner Occupied P&I.

VariableOffsetRedraw

Interest

6.09%p.a.

Updating +25bp · eff 13 Oct

Comparison*

6.09%p.a.

Est. repayment

$3,027

LVR 70 to 80%

Enquire

QBANKClassic Owner Occupied 70% - 80% LVR Special

VariableRedraw

Interest

6.09%p.a.

Updating +25bp · eff 15 Oct

Comparison*

6.09%p.a.

Est. repayment

$3,027

LVR 70 to 80%

Enquire

Bank AustraliaBasic Home Loan <=80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.14%p.a.

Updating +25bp · eff 15 Oct

Comparison*

6.14%p.a.

Est. repayment

$3,043

LVR ≤80%

Enquire

Beyond Bank AustraliaBasic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied

VariableRedraw

Interest

6.14%p.a.

Comparison*

6.17%p.a.

Est. repayment

$3,043

LVR 60 to 80%

Enquire

Australian Military BankDHOAS RateSaver 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.19%p.a.

Updating +25bp · eff 15 Oct

Comparison*

6.22%p.a.

Est. repayment

$3,059

LVR 70 to 80%

Enquire

AFG Home Loans AlphaBasic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.29%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR 70 to 80%

Enquire

Macquarie Bank LimitedOffset Home Loan Package 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.09%p.a.

Updating +25bp · eff 15 Oct

Comparison*

6.32%p.a.

Est. repayment

$3,027

LVR 70 to 80%

Enquire

Show 16 more products

GMCUFixed Rate Home Loan

2y FixedOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,059

LVR 60 to 80%

Enquire

Bank of ChinaDiscount Home Loan Owner Occupied <=80% LVR P&I Special

VariableRedraw

Interest

6.18%p.a.

Comparison*

6.36%p.a.

Est. repayment

$3,056

LVR ≤80%

Enquire

Bank of Queensland LimitedEconomy Variable Home Loan Owner Occupied 70% - 80% LVR P&I Special (Existing customers only)

VariableRedraw

Interest

6.33%p.a.

Updating +25bp · eff 2 Oct

Comparison*

6.44%p.a.

Est. repayment

$3,105

LVR 70 to 80%

Enquire

Auswide Bank LtdBasic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.46%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.19%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.47%p.a.

Est. repayment

$3,059

LVR 70 to 80%

Enquire

Firefighters Mutual BankYour Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Updating +25bp · eff 8 Oct

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Health Professionals BankYour Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Updating +25bp · eff 8 Oct

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Updating +25bp · eff 8 Oct

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

UniBankYour Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Updating +25bp · eff 8 Oct

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied 70% - 80% LVR P&I

VariableOffsetRedraw

Interest

6.39%p.a.

Updating +25bp · eff 15 Oct

Comparison*

6.51%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

Great Southern BankBasic Variable 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.49%p.a.

Updating +25bp · eff 7 Oct

Comparison*

6.53%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

ANZSimplicity Plus 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.54%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.54%p.a.

Est. repayment

$3,174

LVR 70 to 80%

Enquire

MyState BankSpecial Residential 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Updating +25bp · eff 8 Oct

Comparison*

6.55%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Credit Union SA3-Year Fixed XL Home Loan Package

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,075

LVR ≤80%

Enquire

BankwestComplete Variable Home Loan (70% - 80% LVR) Owner Occupied P&I Special

VariableOffsetRedraw

Interest

6.24%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.61%p.a.

Est. repayment

$3,075

LVR 70 to 80%

Enquire

CommBankSimple Home Loan 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.49%p.a.

Updating +25bp · eff 9 Oct

Comparison*

6.62%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

*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.

80% LVR in QLD

What changes at 80% LVR (20% deposit) in Queensland

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 50+-lender panel is available, and refinance cashbacks (where they exist) are gated at ≤80% LVR. The comparison rate you pay buying in QLD 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 Queensland owner-occupier home loans for the full panel at any LVR. Verified September 2026.