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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 AWARDS 2016

    HSBC Discounted Home Value Loan (Owner Occupier)

    HSBC Discounted Home Value Loan (Owner Occupier)

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

    interest rate

    3.75% p.a. variable

    comparison rate*

    3.77% p.a.

    Upfront fees

    $270

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    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Interest rate: 3.75% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $270
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

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  • Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    • $0 application fee for loans over $300k
    • 100% offset facility & 1 free redraw per month
    • Experience the customer-owned difference

    interest rate

    3.87% p.a. variable

    comparison rate*

    3.97% p.a.

    Upfront fees

    $200

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    More info

    • $0 application fee for loans over $300k
    • 100% offset facility & 1 free redraw per month
    • Experience the customer-owned difference
    • 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: 3.87% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $200
    • 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

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.84% p.a. variable

    comparison rate*

    4.24% p.a.

    Upfront fees

    $0

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    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Interest rate: 3.84% p.a. variable
    • Comparison rate*: 4.24% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR>80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR>80%, Owner Occupier) (Premium Package)

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed

    interest rate

    3.95% p.a. variable

    comparison rate*

    4.26% p.a.

    Upfront fees

    $0

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    More info

    • Up to three free splits, keep a portion of your home loan fixed and a portion variable
    • 100% offset facility to reduce the amount of interest you pay on your loan
    • Redraw available with the flexibility to access funds when needed
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Interest rate: 3.95% p.a. variable
    • Comparison rate*: 4.26% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    CUA Fresh Start Basic Variable Home Loan (Owner Occupier)

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments

    interest rate

    3.99% p.a. variable

    comparison rate*

    4.04% p.a.

    Upfront fees

    $795

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    More info

    • Low interest rate
    • No ongoing fees
    • Free redraw facility for easy access to additional payments
    • Ongoing fees: $0.00
    • Discharge fee: $200.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Interest rate: 3.99% p.a. variable
    • Comparison rate*: 4.04% p.a.
    • Upfront fees: $795
    • 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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  • 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

    4.17% p.a. variable

    comparison rate*

    4.22% 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: 4.17% p.a. variable
    • Comparison rate*: 4.22% 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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