Interest
6.09%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.09%p.a.
Est. repayment
$3,027
LVR 70 to 80%
South Australia owner-occupier home loans at 80% LVR, October 2026
Products that accept 80% LVR (20% deposit) in SA, 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 ·5,179 products·50+ Australian lenders
About these dates
Live rates updated 18 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 rate27 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 South Australia, 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
People First BankBasic Home Loan 70% - 80% LVR Owner Occupied P&I.
6.09%
6.09%
80%
Fixed rate
GMCUFixed Rate Home Loan
6.19%
6.35%
80%
Interest
6.14%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.14%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,043
LVR 60 to 80%
Interest
6.19%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.22%p.a.
Est. repayment
$3,059
LVR 70 to 80%
Interest
5.89%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.26%p.a.
Est. repayment
$2,962
LVR ≤80%
Interest
6.29%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.29%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.09%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.32%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Show 17 more products
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%
Interest
6.44%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,141
LVR 70 to 80%
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%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.39%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.51%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.49%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤80%
Interest
6.39%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
*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 SA
What changes at 80% LVR (20% deposit) in South Australia
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 SA 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 South Australia owner-occupier home loans for the full panel at any LVR. Verified September 2026.