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Tasmania Owner-Occupier Home Loans, July 2026

Sharpest comparison rates for owner-occupiers buying in TAS, ranked by comparison rate. Framed against the FHOG, stamp duty bands and HGS cap that apply when you settle in Hobart or regional TAS.

RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |932 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in July 2026

Reviewed by the Ratesniffers Editorial Team, July 2026

Top picks for owner-occupier home loans in Tasmania, same 85+-lender panel, ranked sharpest-first (currently 5.89%).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Horizon BankFirst Home Buyer Loan
5.89%
5.89%
90%
Fixed rate
AthenaObliterate
5.99%
5.99%
50%
Interest only
Queensland Country BankHome Loan-Package
5.99%
6.03%
—
Horizon Bank logo
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
58d ago
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
More details
Maitland Mutual Limited logo
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR —
More details
Up logoOnline
Up Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
More details
ME Bank - ME Go logoOnline
ME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra 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
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
More details
Queensland Country Bank logo
Home Loan-Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
More details
IMB Bank logo
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
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.

Owner-occupier in TAS

What changes when you compare owner-occupier loans in Tasmania

Owner-occupier pricing on the panel above is national, the rate is the same buying in Hobart as it is anywhere else. What does change is the cash going in. TAS buyers 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 + regional centres) / $550,000 (rest of TAS). 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.

Source: State Revenue Office Tasmania · Verified July 2026. Cap data from Housing Australia. See also our stamp duty calculator.

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 July 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.
Home Guarantee Scheme property cap
Maximum property price for the federal 5%-deposit scheme in Tasmania: $700,000 (Hobart + regional centres) / $550,000 (rest of TAS).
State program, MyHome Shared Equity
Tasmanian shared-equity scheme. Government takes up to 40% equity in your property; you contribute as little as 2% deposit. Income and property caps apply. Visit MyHome Shared Equity →
Source: State Revenue Office Tasmania · Verified July 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 →