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First Time Buyer
Home Loans

If you only have a 5-10% deposit then there maybe lenders which can help you, providing you have a suitable stable income to support the repayments. Check out the providers listed in our tables for an insight as to the types of products available and level of fees.

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BOQ Clear Path

BOQ
Initial Rate
4.87 (variable)
Initial Term
N/A
Comparison Rate
4.87%
Max LVR
95%
Fees
$0
More Info

First Time Buyer/Low Deposit Home Loans*

Lender
Mortgage Name
Mortgage Type
Initial Rate
Initial Term
Comparison Rate
Max LVR
Application Fee
Apply
BOQ Clear Path
Variable
4.87% (variable)
N/A
4.87%
95%
No Application Fee
Macquarie Bank Line of Credit
Line of Credit
4.94% (variable)
N/A
4.94%
95%
$363
Macquarie Bank Basic Home Loan
Variable
4.99% (variable)
N/A
4.99%
95%
$363
BankWest Premium Select
Variable
5.09% (variable)
N/A
5.09%
95%
No Application Fee
ING Direct Fixed 2 Year
2 Year Fixed
4.79% (variable)
2 Years
5.14%
95%
$220
Homeside HomePlus
Tracker
5.00% (variable)
N/A
5.17%
95%
No Application Fee
CBA No Fee Variable Rate
Variable
5.20% (variable)
N/A
5.20%
95%
No Application Fee
Gateway Low Rate Essential
Variable
5.18% (variable)
N/A
5.23%
95%
$750
NAB Base Variable
Variable
5.23% (variable)
N/A
5.23%
95%
$600
Gateway Fixed 2 Years
Fixed Rate
4.94% (variable)
2 Years
5.24%
95%
$275
Firstmac Fixed 3 Years
3 Year Fixed
5.40% (variable)
3 Years
5.26%
95%
$600
ING Direct Orange Advantage
Variable
4.88% (variable)
N/A
5.35%
95%
$220
Macquarie Bank Offset Home Loan
Variable
4.94% (variable)
N/A
5.36%
95%
$363
Homeside Peak Performance
Line of Credit
5.36% (variable)
N/A
5.36%
95%
No Application Fee
NAB Choice Package
Variable
5.38% (variable)
N/A
5.38%
95%
No Application Fee
BankWest Regular Saver
Variable
5.39% (variable)
N/A
5.39%
95%
No Application Fee
BOQ Economy
Variable
5.43% (variable)
N/A
5.43%
95%
$595
CBA Economiser
Variable
5.44% (variable)
N/A
5.44%
95%
$600
NAB Base Variable
Variable
5.08% (variable)
N/A
5.46%
95%
$600
Homeside Fixed 2 Year
2 Year Fixed
4.84% (variable)
2 Years
5.47%
95%
No Application Fee
BankWest Rate Cutter
Variable
5.49% (variable)
N/A
5.49%
95%
$695
NAB Choice Package Fixed 1 Year
1 Year Fixed
4.79% (variable)
1 Years
5.88%
95%
No Application Fee
NAB Tailored Fixed 1 Year
1 Year Fixed
4.89% (variable)
1 Years
5.88%
95%
$600
NAB Choice Package Fixed 10 Years
10 Year Fixed
7.64% (variable)
10 Years
5.88%
95%
No Application Fee
NAB Tailored Fixed 10 Years
10 Year Fixed
7.74% (variable)
10 Years
5.88%
95%
$600
NAB Tailored Fixed 4 Years
4 Year Fixed
5.54% (variable)
4 Years
5.88%
95%
$600
NAB Choice Package Fixed 5 Years
5 Year Fixed
5.69% (variable)
5 Years
5.88%
95%
No Application Fee
NAB Choice Package Fixed 2 Years
2 Year Fixed
4.84% (variable)
2 Years
5.88%
95%
No Application Fee
NAB Choice Package Fixed 4 Years
4 Year Fixed
5.44% (variable)
4 Years
5.88%
95%
No Application Fee
NAB Tailored
Variable
5.88% (variable)
N/A
5.88%
95%
$600
NAB Choice Package Fixed 3 Years
3 Year Fixed
5.05% (variable)
3 Years
5.88%
95%
No Application Fee
BankWest Mortgage Shredder
Variable
5.89% (variable)
N/A
5.89%
95%
$700
BankWest Shredder 1 Yr Intro
Variable
5.09% (variable)
1 Years
5.89%
95%
$695
BankWest Double Deal
Variable
4.88% (variable)
2 Years
5.89%
95%
$295
BankWest Super Start
Variable
5.09% (variable)
3 Years
5.89%
95%
$695
CBA Wealth Package 1 Yr Variable
Variable
5.45% (variable)
1 Years
5.90%
95%
No Application Fee
CBA Wealth Package
Variable
5.90% (variable)
N/A
5.90%
95%
No Application Fee
CBA Wealth Package Fixed 1 Year
1 Year Fixed
4.79% (variable)
1 Years
5.90%
95%
No Application Fee
CBA Wealth Package Fixed 10 Years
10 Year Fixed
7.59% (variable)
10 Years
5.90%
95%
No Application Fee
CBA 1 Year Guaranteed Rate
Variable
4.79% (variable)
1 Years
5.90%
95%
$600
CBA Fixed 2 Years
2 Year Fixed
4.99% (variable)
2 Years
5.90%
95%
$600
CBA Standard Variable
Variable
5.90% (variable)
N/A
5.90%
95%
$600
CBA Fixed 5 Years
5 Year Fixed
5.84% (variable)
5 Years
5.90%
95%
$600
Bank of Melbourne Advantage Package
Variable
5.90% (variable)
N/A
5.90%
95%
No Application Fee
CBA Wealth Package Fixed 5 Years
5 Year Fixed
5.69% (variable)
5 Years
5.90%
95%
No Application Fee
CBA Wealth Package Fixed 4 Years
4 Year Fixed
5.59% (variable)
4 Years
5.90%
95%
No Application Fee
CBA Fixed 3 Years
3 Year Fixed
5.24% (variable)
3 Years
5.90%
95%
$600
CBA Fixed 4 Years
4 Year Fixed
5.74% (variable)
4 Years
5.90%
95%
$600
CBA 1 Yr Discounted Variable Rate
Variable
5.20% (variable)
1 Years
5.90%
95%
$600
CBA Fixed 10 Years
10 Year Fixed
7.74% (variable)
10 Years
5.90%
95%
$600
CBA Wealth Package Fixed 2 Years
2 Year Fixed
4.84% (variable)
2 Years
5.90%
95%
No Application Fee
CBA 3 Year Special Economiser
Variable
4.84% (variable)
3 Years
5.90%
95%
$600
CBA Fixed 1 Year
1 Year Fixed
4.94% (variable)
1 Years
5.90%
95%
$600
CBA Wealth Package Fixed 3 Years
3 Year Fixed
5.09% (variable)
3 Years
5.90%
95%
No Application Fee
BankSA Advantage Package
Variable
5.97% (variable)
N/A
5.97%
95%
No Application Fee
BOQ Fixed 3 Years
3 Year Fixed
4.99% (variable)
3 Years
6.01%
95%
$495
BOQ Standard Variable
Variable
6.01% (variable)
N/A
6.01%
95%
$495
BOQ Fixed 5 Years
5 Year Fixed
5.49% (variable)
5 Years
6.01%
95%
$495
BOQ Fixed 4 Years
4 Year Fixed
5.29% (variable)
4 Years
6.01%
95%
$495
BOQ Fixed 2 Years
2 Year Fixed
4.79% (variable)
2 Years
6.01%
95%
$495
BOQ First-Start
Variable
5.01% (variable)
1 Years
6.01%
95%
$495
BOQ Fixed 1 Year
1 Year Fixed
4.75% (variable)
1 Years
6.01%
95%
$495
BOQ Line of Credit Facility
Line of Credit
6.36% (variable)
N/A
6.36%
95%
$495
Firstmac Firstmac
Variable
5.11% (variable)
N/A
5.11%
90%
$600

Your home may be repossessed if you do not keep up repayments on your mortgage.

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.