Interest
5.94%p.a.
Comparison*
5.98%p.a.
Est. repayment
$2,978
LVR ≤80%
Tasmania Home Loans, September 2026
Compare owner-occupier home loans for Tasmania. Check each product’s interest rate, comparison rate, fees and eligibility, then explore the grants and concessions for buyers in Hobart and regional TAS.
RBA cash rate 4.35%(effective 12 August 2026)·As at ·4,062 products·85+ Australian lenders
About these dates
Live rates updated 21 September 2026. Verified snapshot dated 27 August 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 rate10 products shown
Interest
5.99%p.a.
Comparison*
6.31%p.a.
Est. repayment
$2,995
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,059
LVR 60 to 80%
Interest
6.49%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,059
LVR not stated
Interest
6.39%p.a.
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.
Buying in TAS
What changes when you compare home loans in Tasmania
The lenders on this page price nationally, your interest rate is the same buying in Hobart as it is anywhere else. What does change is the cash going in. First home buyers in TAS can combine the $20,000 First Home Owner Grant with the state stamp duty concession (established-home duty exemption (was 100% up to $750,000) ended 30 jun 2026; standard transfer duty now applies to established-home purchases) and the federal Home Guarantee Scheme cap of $700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception). Those three together can shift your minimum deposit by tens of thousands without ever touching the rate column above. MyHome Shared Equity also runs in TAS for eligible buyers, see the panel below.
Buying to live in yourself? See Tasmania owner-occupier home loans. Buying to rent out? See Tasmania investor home loans for the loan features and rate spread specific to landlords.
Shopping by deposit size instead? Tasmania owner-occupier rates are broken out at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible), and Tasmania investor rates the same way at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible).
Source: State Revenue Office Tasmania · Verified September 2026. Cap data from Housing Australia. See also our stamp duty calculator.
TAS first home buyer concessions at a glance
| First home owner grant | $20,000 (time-limited) |
|---|---|
| Stamp duty concession | Established-home duty exemption (was 100% up to $750,000) ended 30 Jun 2026; standard transfer duty now applies to established-home purchases. |
| Home Guarantee Scheme cap | $700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception) |
| TAS government scheme | MyHome Shared Equity |
How can I compare home loan rates in Tasmania?
Compare the interest rate and comparison rate for the same loan, then check fees, repayment type and features such as offset or redraw. A comparison rate helps compare costs, but the loan amount, term and eligibility also matter. Use the repayment calculator to explore repayments for your loan amount and term.
Home loans outside Hobart
Unlike New South Wales, Victoria and Queensland, Tasmania has no regional centres named on the Home Guarantee Scheme’s price-cap list. That means a buyer in Launceston, Devonport or Burnie sits on the same flat $550,000 cap as the rest of regional TAS, with no carve-out for size or distance from Hobart the way Newcastle, Geelong or the Gold Coast get one in their own states. Only Hobart gets the higher $700,000 cap, a straight capital-versus-everywhere-else split with no exceptions. Rates themselves aren’t affected either way, lenders price a loan the same regardless of postcode, so a regional TAS refinance sees the exact same comparison-rate table above as a Hobart one.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
Federal scheme · Available nationwide
Australian Government 5% Deposit Scheme, 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 buyers
5% deposit, no LMI
Scheme places
Unlimited, no waiting list
Single parents
2% deposit, no LMI
Source: firsthomebuyers.gov.au · Verified September 2026
Your state, pick to see grants & concessions
State schemes · Tasmania
First home buyer benefits in Tasmania
First Home Owner Grant (FHOG)
$20,000, Buying or building a new home. $20,000 applies to eligible transactions from 1 Jul 2026 to 30 Jun 2027, down from $30,000 the prior year.
⚠️ Amount is reviewed each financial year, confirm the current figure before relying on it for transactions after 30 Jun 2027.
Stamp duty concession
Established-home duty exemption (was 100% up to $750,000) ended 30 Jun 2026; standard transfer duty now applies to established-home purchases.
5% Deposit Scheme property cap
Maximum property price for the federal 5%-deposit scheme in Tasmania: $700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception).
State program, MyHome Shared Equity
Homes Tasmania shared-equity scheme. Homes Tasmania contributes up to $300,000 or 40% of the purchase price for a new home or house and land package, and up to $150,000 or 30% for an established home, whichever is the lesser. You contribute a 2% deposit. Household income and asset limits apply and were updated 1 July 2026. Visit MyHome Shared Equity →
Source: State Revenue Office Tasmania · Verified September 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 →
Tasmania home loan FAQs
What are the lowest home loan rates in Tasmania?
Compare the interest rate and comparison rate for each product in the Tasmania table, along with fees, repayment type and eligibility. The lowest advertised rate is not necessarily the lowest total cost for your loan. Grants and concessions for TAS have separate eligibility requirements.
What is the First Home Owner Grant in TAS?
TAS's First Home Owner Grant is $20,000. Buying or building a new home. $20,000 applies to eligible transactions from 1 Jul 2026 to 30 Jun 2027, down from $30,000 the prior year. Amount is reviewed each financial year, confirm the current figure before relying on it for transactions after 30 Jun 2027. It's paid in addition to any rate you secure on the comparison table above, see State Revenue Office Tasmania for the current eligibility detail.
Do first home buyers pay stamp duty in TAS?
Established-home duty exemption (was 100% up to $750,000) ended 30 Jun 2026; standard transfer duty now applies to established-home purchases. These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: State Revenue Office Tasmania.
What is the Home Guarantee Scheme property price cap in TAS?
$700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception) Under the federal Home Guarantee Scheme, eligible buyers in TAS can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, the government guarantees the difference. It works with any lender on the scheme's panel, including several on the table above.
What TAS government home buyer support is available?
MyHome Shared Equity: Homes Tasmania shared-equity scheme. Homes Tasmania contributes up to $300,000 or 40% of the purchase price for a new home or house and land package, and up to $150,000 or 30% for an established home, whichever is the lesser. You contribute a 2% deposit. Household income and asset limits apply and were updated 1 July 2026. It can be combined with a competitive rate from the table above. Check current eligibility before you apply.
What is the Home Guarantee Scheme price cap outside Hobart?
Tasmania has no regional centres named on the scheme's list, so a buyer in Launceston, Devonport or Burnie sits on the same flat $550,000 cap as the rest of regional TAS, with no exception for size or distance from Hobart. Only Hobart gets the higher $700,000 cap.
Do home loan rates differ between Hobart and regional TAS?
No. The lenders on this page price nationally, so a buyer in regional TAS is offered exactly the same rate as one in Hobart. What does differ by location is eligibility for the Home Guarantee Scheme's regional-centre price cap, and in some states, a region-specific first home buyer program, both covered above.