Best small deposit home loans

RateCity's top-rated home loans with a deposit requirement of 5% or less. Assumes a $400,000 mortgage for an owner occupier with a variable interest rate and a maximum LVR of 95% or more.

Ranking
Since null day
Advertised Rate

2.09

% p.a

Fixed - 3 years

Comparison Rate*

2.43

% p.a

Company
Macquarie Bank
Repayment

$1,285

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.12

/ 5
Ranking
Since null day
Advertised Rate

1.99

% p.a

Intro 12 months

Comparison Rate*

2.47

% p.a

Company
loans.com.au
Repayment

$1,343

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.56

/ 5
Ranking
Since null day
Advertised Rate

2.48

% p.a

Variable

Comparison Rate*

2.50

% p.a

Company
loans.com.au
Repayment

$1,343

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.31

/ 5
Ranking
Since null day
Advertised Rate

1.99

% p.a

Fixed - 3 years

Comparison Rate*

2.70

% p.a

Company
loans.com.au
Repayment

$1,270

monthly

Features
Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.26

/ 5
Ranking
Since null day
Advertised Rate

2.09

% p.a

Variable

Comparison Rate*

2.12

% p.a

Company
Yard
Repayment

$1,285

monthly

Features
Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.07

/ 5