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Tasmania owner-occupier home loans at 95% LVR, July 2026

Products that accept 95% LVR (5% deposit) in TAS, ranked sharpest-first by comparison rate. Home Guarantee Scheme eligible · LMI waived for qualifying buyers.

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 at 95% LVR in Tasmania, same 85+-lender panel, ranked sharpest-first (currently 5.89% at low-LVR tiers).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Newcastle Permanent Building SocietyReal Deal Home Loan Principal and Interest
5.94%
5.98%
95%
Fixed rate
Macquarie Bank LimitedMacquarie Basic Home Loan
6.09%
6.13%
95%
Interest only
Firefighters Mutual BankYour Way Plus Interest Only Home Loan
6.09%
6.13%
98%
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 90–95%
More details
IMB Bank logo
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 91–95%
More details
Firefighters Mutual Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 90–98%
More details
Health Professionals Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 90–98%
More details
AMP - My AMP logoOnline
Professional Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR 90–95%
More details
gmcu logo
Fixed Rate Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
26d ago
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.

95% LVR in TAS

What changes at 95% LVR (5% deposit) in Tasmania

At 95% LVR (5% deposit) the loan is only available to two categories of buyer: those qualifying under the federal Home Guarantee Scheme (LMI waived by the Government for FHBs + key workers + Regional buyers + single parents within the HGS cap of $700,000 (Hobart + regional centres) / $550,000 (rest of TAS)), and those paying a full LMI premium (typically $15K–$22K added to the loan on a $500K loan in TAS). For TAS FHBs, the HGS + state FHOG/stamp-duty stack is the cleanest path to 95% LVR ownership without an LMI bill.

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

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 →