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Tasmania owner-occupier home loans at 90% LVR, September 2026

Products that accept 90% LVR (10% deposit) in TAS, ranked sharpest-first by comparison rate. LMI required · most second-tier lenders price-aggressive here.

RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |5,894 products|54 Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in September 2026

Reviewed by the Ratesniffers Editorial Team, September 2026

Top picks for owner-occupier home loans at 90% LVR in Tasmania, same 80+-lender panel, ranked sharpest-first (currently 6.03% at low-LVR tiers).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Bank of Queensland LimitedClear Path Variable Home Loan
6.03%
6.07%
90%
Fixed rate
Newcastle Permanent Building SocietyFixed Rate Home Loan Principal and Interest
6.49%
6.53%
90%
IMB Bank logo
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 81–90%
More details
GMCU logo
Fixed Rate Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Verify, 71d old
Comparison*
6.71%p.a.
Monthly repayment
$3,124
LVR 80–95%
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.

90% LVR in TAS

What changes at 90% LVR (10% deposit) in Tasmania

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 owner-occupiers in TAS, 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 Tasmania owner-occupier home loans for the full panel at any LVR. Verified July 2026.

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 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.
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
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 →