How to borrow with a 5 to 10% deposit
Mozo
08 Oct 2018
Looking to make your first move into the property market? A low deposit home loan could be your ticket to home ownership. If you've got a 5% or 10% deposit saved up, you'll be relieved to hear that plenty of lenders are still offering competitive low deposit home loans to first home buyers.
Compare home loans that require just a 5% or 10% percent deposit using the table below, and find out how you can buy that first property faster.
Low Deposit Home Loan Comparisons
Rates updated daily. Advertiser disclosure.
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2.88% p.a.
fixed 3 years2.89% p.a.
$1234
Product details Close detailsFixed Home Loan
Owner Occupier, Principal & Interest
2.88% p.a.
fixed 3 years2.89% p.a.
This home loan is available for purchase or refinance, complete with 1, 2 or 3 year fixed rate options. Minimum 10% deposit required.
Fixed Home Loan
This home loan is available for purchase or refinance, complete with 1, 2 or 3 year fixed rate options. Minimum 10% deposit required.
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$0.00
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$0.00
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yes - free up to $10,000 p.a.
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no
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no
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$520
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2.88% p.a.
fixed 3 years -
2.89% p.a.
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$520
-
90.00%
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$50,000
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$1,000,000
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Fixed
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Fixed Home Loan
Details Close
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2.59% p.a. variable
2.60% p.a.
$1234
Product details Close detailsBack to Basics Special
LVR<90%, Owner Occupier, Principal & Interest
2.59% p.a. variable
2.60% p.a.
No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more. Get a $2,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan of $250k+. T&Cs & eligibility criteria apply. Minimum 10% deposit.
Back to Basics Special
No monthly account keeping fee, no ongoing annual fee and no loan establishment fee on new lending of $150,000 or more. Get a $2,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan of $250k+. T&Cs & eligibility criteria apply. Minimum 10% deposit.
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$0.00
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$350.00
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Yes - free
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yes - free
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no
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$0
-
2.59% p.a. variable
-
2.60% p.a.
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$0
-
90.00%
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$150,000
-
-
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Back to Basics Special
Details Close
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Mozo experts choice awards won:
- Offset Home Loan - 2021
2.52% p.a. variable
2.55% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Offset Home Loan - 2021
Well Balanced
Owner Occupier, Principal & Interest, LVR <90%
2.52% p.a. variable
2.55% p.a.
A great value low rate home loan for variable owner occupiers. Free extra repayments and free redraw facility. No ongoing fees. Option for a split account available. Up to 90% LVR. Winner of the Offset Home Loan Expert's Choice Award for 2021.
Well Balanced
A great value low rate home loan for variable owner occupiers. Free extra repayments and free redraw facility. No ongoing fees. Option for a split account available. Up to 90% LVR. Winner of the Offset Home Loan Expert's Choice Award for 2021.
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$0.00
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$300.00
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yes - free
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yes - free
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Optional - $10 per month
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$785
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2.52% p.a. variable
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2.55% p.a.
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$785
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90.00%
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$200,000
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$2,000,000
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Variable
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Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Well Balanced
Details Close
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2.09% p.a.
fixed 3 years2.93% p.a.
$1234
Product details Close detailsFixed Home Loan Special Offer Home Package Plus
Owner Occupier, Principal & Interest
2.09% p.a.
fixed 3 years2.93% p.a.
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
Fixed Home Loan Special Offer Home Package Plus
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
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$375.00 yearly
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$350.00
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yes - free up to $500 per month
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no
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no
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$0
-
2.09% p.a.
fixed 3 years -
2.93% p.a.
-
$0
-
90.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
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Owner Occupier
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Fixed Home Loan Special Offer
Details Close
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-
Mozo experts choice awards won:
- Offset Home Loan - 2021
2.87% p.a. variable
2.90% p.a.
$1234
Product details Close detailsMozo experts choice awards won:
- Offset Home Loan - 2021
Well Balanced
Investor, Principal & Interest, LVR <90%
2.87% p.a. variable
2.90% p.a.
Low variable rate home loan for Investors up to 90% LVR with no ongoing fees, free extra repayments and redraw facilities. Winner of the Offset Home Loan Expert's Choice Award for 2021.
Well Balanced
Low variable rate home loan for Investors up to 90% LVR with no ongoing fees, free extra repayments and redraw facilities. Winner of the Offset Home Loan Expert's Choice Award for 2021.
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$0.00
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$300.00
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yes - free
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yes - free
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Optional - $10 per month
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$785
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2.87% p.a. variable
-
2.90% p.a.
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$785
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90.00%
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$200,000
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$2,000,000
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Variable
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Principal & Interest
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Investor
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Weekly, Fortnightly, Monthly
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Read our Mozo Review to learn more about the Well Balanced
Details Close
" style="width:60px;"> ^See information about the Mozo Experts Choice Home loans Awards
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