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Victoria investment home loans at 95% LVR, June 2026

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

Rates updated |1,211 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in June 2026

Top picks for investment home loans at 95% LVR in Victoria — same 85+-lender panel, ranked sharpest-first (currently 5.74% at low-LVR tiers).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
Fixed rate
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
Interest only
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
95%
ME Bank - ME Go logoOnline
ME Bank EconoME Home Loan
InvestorVariableP&IRedrawExtra 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
5.89%p.a.
Comparison*
5.94%p.a.
Monthly repayment
$2,962
LVR 90–95%
More details
IMB Bank logo
Essentials Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments$4,000 cashback
Interest
6.64%p.a.
Comparison*
6.70%p.a.
Monthly repayment
$3,207
LVR 91–95%
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 VIC

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

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 $950,000 (Melbourne + Geelong) / $650,000 (rest of VIC)), and those paying a full LMI premium (typically $15K–$22K added to the loan on a $500K loan in VIC). Investor 95% LVR is rare — most lenders cap investment LVR at 90%, and HGS does not apply to investors.

See also our LMI calculator, borrowing-power calculator, and Victoria investment home loans for the full panel at any LVR. Verified April 2026.