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Low Deposit Home Loans

  • If you're looking for a way into the housing market, a low deposit home loan could be your ticket to home ownership. Compare home loans that only require a 10 percent deposit or less in the table below.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE 2017
    promoted

    Discounted Variable Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest
    rate

    3.64% p.a. variable

    comparison
    rate*

    4.03% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Discounted Home Value Loan

    Owner Occupier, Principal & Interest

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest
    rate

    3.65% p.a. variable

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Advance Variable Home Loan

    Owner Occupier, Principal & Interest

    • Offset your interest to save
    • Free redraw facility for easy access to additional payments
    • No monthly or application fees

    interest
    rate

    3.74% p.a. variable

    comparison
    rate*

    3.75% p.a.

    upfront
    fees

    $195

    initial monthly
    repayment**

  • promoted

    Basic Variable Rate Home Loan

    Owner Occupier

    • Redraw facility
    • Flexible repayment options
    • No annual or monthly fees

    interest
    rate

    3.77% p.a. variable

    comparison
    rate*

    3.81% p.a.

    upfront
    fees

    $695

    initial monthly
    repayment**

  • promoted

    Discount Great Rate Home Loan

    Owner Occupier, LVR<90%, over $150k

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    interest
    rate

    3.84% p.a. variable

    comparison
    rate*

    3.84% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Health, Wealth and Happiness Variable Rate Package

    Owner Occupier, Principal & Interest

    • No annual fee on a credit card of your choice
    • 100% offset facility
    • Owner occupied only

    interest
    rate

    3.84% p.a. variable

    comparison
    rate*

    4.25% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Platinum Home Loan

    Owner Occupied, LVR<90%

    • Join the Big Bank Rebellion and pay NO application or valuation fees
    • Only 10% deposit required, 100% offset & redraw facilities
    • Award winning, customer owned banking

    interest
    rate

    3.87% p.a. variable

    comparison
    rate*

    3.97% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Essential Home Loan

    Owner Occupier, Principal & Interest

    • Experts Choice Winner - Home Loans 2017
    • Additional repayments anytime
    • Waived establishment & settlement fees

    interest
    rate

    3.96% p.a. variable

    comparison
    rate*

    3.98% p.a.

    upfront
    fees

    $295

    initial monthly
    repayment**

Want more? Compare all 515 home loans in the Mozo comparison engine.

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

**Monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Fees are included in the representative example but not the monthly repayment. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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