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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

  • CUA Kick Start Home Loan (Owner Occupier)

    CUA Kick Start Home Loan (Owner Occupier)

    • 2 year introductory variable rate. Limited time only
    • Free redraw facility for easy access to additional payments
    • No monthly or application fees

    interest rate

    3.69% p.a. variable for 24 months and then 3.89% variable

    comparison rate*

    3.87% p.a.

    Upfront fees

    $195

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    • 2 year introductory variable rate. Limited time only
    • Free redraw facility for easy access to additional payments
    • No monthly or application fees
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Interest rate: 3.69% p.a. variable for 24 months and then 3.89% variable
    • Comparison rate*: 3.87% p.a.
    • Upfront fees: $195
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 89 CUA home loan reviews

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  • Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

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    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

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  • Hunter United Get A Better Home Loan (Owner Occupied, LVR<90%)

    Hunter United Get A Better Home Loan (Owner Occupied, LVR<90%)

    • Reduce your monthly repayments with a lower rate
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.91% p.a.

    Upfront fees

    $350

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    More info

    • Reduce your monthly repayments with a lower rate
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.91% p.a.
    • Upfront fees: $350
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    AMP Essential Home Loan (Owner Occupier)

    AMP Essential Home Loan (Owner Occupier)

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees

    interest rate

    3.98% p.a. variable

    comparison rate*

    4.00% p.a.

    Upfront fees

    $295

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    More info

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Interest rate: 3.98% p.a. variable
    • Comparison rate*: 4.00% p.a.
    • Upfront fees: $295
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount: $499,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 51 AMP home loan reviews

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  • NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    4.10% p.a. variable

    comparison rate*

    4.14% p.a.

    Upfront fees

    $600

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    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Interest rate: 4.10% p.a. variable
    • Comparison rate*: 4.14% p.a.
    • Upfront fees: $600
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

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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.

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