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
1
1 position down today
Advertised Rate

2.29%

Variable

Comparison Rate*

2.31%

Company
G&C Mutual Bank
Repayment

$1,153

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

4.13

/ 5
Ranking
2
2 position down today
Advertised Rate

2.29%

Intro 24 months

Comparison Rate*

2.72%

Company
Westpac
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.17

/ 5
Ranking
3
53 position up today
Advertised Rate

2.59%

Variable

Comparison Rate*

2.69%

Company
Easy Street Financial Services
Repayment

$1,199

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.18

/ 5
Ranking
4
1 position down today
Advertised Rate

2.59%

Variable

Comparison Rate*

2.64%

Company
Illawarra Credit Union
Repayment

$1,199

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.04

/ 5
Ranking
5
1 position down today
Advertised Rate

2.77%

Variable

Comparison Rate*

2.77%

Company
Freedom Lend
Repayment

$1,228

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

3.00

/ 5
Ranking
6
1 position down today
Advertised Rate

2.75%

Intro 36 months

Comparison Rate*

2.60%

Company
Regional Australia Bank
Repayment

$1,199

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.82

/ 5
Ranking
7
1 position down today
Advertised Rate

2.79%

Variable

Comparison Rate*

2.82%

Company
Yellow Brick Road
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.83

/ 5
Ranking
8
1 position down today
Advertised Rate

2.75%

Variable

Comparison Rate*

2.77%

Company
RACQ Bank
Repayment

$1,225

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.73

/ 5
Ranking
9
1 position down today
Advertised Rate

2.65%

Variable

Comparison Rate*

3.08%

Company
MOVE Bank
Repayment

$1,209

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.59

/ 5
Ranking
10
1 position down today
Advertised Rate

2.85%

Variable

Comparison Rate*

2.85%

Company
Defence Bank
Repayment

$1,241

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.72

/ 5
Ranking
11
1 position down today
Advertised Rate

2.79%

Variable

Comparison Rate*

2.87%

Company
Transport Mutual Credit Union
Repayment

$1,231

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.58

/ 5
Ranking
12
1 position down today
Advertised Rate

2.89%

Variable

Comparison Rate*

2.89%

Company
MyLife MyFinance
Repayment

$1,247

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.45

/ 5
Ranking
13
1 position down today
Advertised Rate

2.99%

Variable

Comparison Rate*

3.03%

Company
Newcastle Permanent
Repayment

$1,263

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.53

/ 5
Ranking
14
1 position up today
Advertised Rate

2.87%

Variable

Comparison Rate*

2.93%

Company
Endeavour Mutual Bank
Repayment

$1,244

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.46

/ 5
Ranking
15
1 position down today
Advertised Rate

2.87%

Variable

Comparison Rate*

2.93%

Company
Sydney Mutual Bank
Repayment

$1,244

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.46

/ 5
Ranking
16
1 position down today
Advertised Rate

2.98%

Variable

Comparison Rate*

3.03%

Company
Heritage Bank
Repayment

$1,262

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.44

/ 5
Ranking
17
1 position down today
Advertised Rate

2.89%

Variable

Comparison Rate*

2.92%

Company
ING
Repayment

$1,247

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.32

/ 5
Ranking
18
1 position down today
Advertised Rate

2.90%

Variable

Comparison Rate*

3.23%

Company
Gateway Bank
Repayment

$1,249

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.33

/ 5
Ranking
19
1 position down today
Advertised Rate

2.85%

Variable

Comparison Rate*

2.89%

Company
Macquarie Credit Union
Repayment

$1,241

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.03

/ 5
Ranking
20
1 position down today
Advertised Rate

2.99%

Variable

Comparison Rate*

3.46%

Company
WLTH
Repayment

$1,263

monthly

Features
Redraw facility
Offset Account
Borrow up to 95%
Extra Repayments
Interest Only
Owner Occupied
Real Time Rating™

2.27

/ 5