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Owner-occupier home loan rates up to 80% LVR: 5.69%

82 lenders · as at 2 Nov 2026

The lowest advertised rate on owner-occupier loans that charge principal and interest whose headline rate applies up to a 80% loan-to-value ratio or more is 5.69%, on the Aaa Financial Corporation Portfolio Loan. 82 lenders have a current loan here; 2 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.38%. That is the same as the lowest variable principal and interest rate (5.69%).

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1Aaa Financial CorporationPortfolio Loan5.69%—Variable · Owner-occupier0–90%102026-11-02
2Southern Cross Credit UnionBROKER HOME LOAN5.93%6.28%Variable · Owner-occupier60.01–80%42026-11-02
3Virgin MoneyVirgin Money Lite Home Loan6.09%6.11%Variable · Owner-occupier70.01–80%22026-11-02
4UnloanUnloan Home Loan6.14%6.05%Variable · Owner-occupier0–80%12026-11-02
5Police Credit Union LtdLow Rate Home Loan Special Offer - Owner Occupied6.14%6.18%Variable · Owner-occupier0–80%172026-11-01
6First Option BankSIMPLE HOME LOAN6.19%6.19%Variable · Owner-occupier70–95%22026-11-02
7Loans Com AuBare Home Loan6.19%6.23%Variable · Owner-occupier0–90%62026-11-02
8Newcastle Permanent (NPBS)Real Deal Home Loan Principal and Interest6.19%6.23%Variable · Owner-occupier0–80%42026-11-02
9UniBankMembers onlyYour Way Home Loan6.19%6.25%Variable · Owner-occupier0.1–95%32026-11-02
10Teachers Mutual BankMembers onlyYour Way Home Loan6.19%6.25%Variable · Owner-occupier0.1–95%32026-11-02
11Firefighters Mutual BankMembers onlyYour Way Home Loan6.19%6.25%Variable · Owner-occupier0.1–95%32026-11-02
12Australian Mutual Bank LTDYour Way Home Loan6.19%6.25%Variable · Owner-occupier0.1–95%32026-11-02
13Health Professionals BankMembers onlyYour Way Home Loan6.19%6.25%Variable · Owner-occupier0.1–95%32026-11-02
14Woolworths Team BankMembers onlyTeam Member Home Loan - No Offset6.19%6.28%Variable · Owner-occupier50–80%42026-11-02
15gmcuFixed Rate Home Loan6.19%6.35%Fixed 2y · Owner-occupier60–80%22026-11-02

The 15 lowest of 82 lenders are shown, one loan each. Ranked by advertised rate; a lower advertised rate is not always the lower comparison rate. A loan-to-value (LVR) page lists only loans whose headline rate states an upper LVR of 80% or more. A loan with no LVR band stated is left out, and a lender can charge a higher rate above its headline band. Every loan, with exact tiers and fees, is on the full home loan board. For the Moneysmart explainers, see fixed vs variable ratesand interest-only loans (links checked 2 Nov 2026).

Facts
Lowest rate5.69%: Aaa Financial Corporation Portfolio Loan, recorded 2 Nov 2026
Lenders in this list82
Loans in this list381
Median of each lender's lowest rate6.38%
Lowest to highest lender5.69% to 7.34% (165 basis points)
Lowest comparison rate6.05%: Unloan Home Loan
Rates as at2 Nov 2026
SourceLenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar.
Assistant accessConnect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days.

Common questions

What is the lowest owner-occupier home loan rate at up to 80% LVR in Australia?

Among the 82 lenders in this list, the lowest advertised rate is 5.69% on the Aaa Financial Corporation Portfolio Loan, recorded 2 Nov 2026. The median of each lender's lowest rate is 6.38%.

Is the lowest rate also the lowest comparison rate?

No. The lowest published comparison rate in this list is 6.05% on the Unloan Home Loan, which advertises 6.14%. A comparison rate folds most fees into one figure, so the two rankings can differ.

How does this compare with the lowest variable rate?

The lowest rate here, 5.69%, is the same as the lowest variable principal and interest rate RateSonar recorded (5.69%, Aaa Financial Corporation). Both are advertised rates recorded as at 2 Nov 2026 or earlier, not offers.

How does RateSonar choose which loans are listed?

It lists current standard home loans that state a rate and have a fresh record (evidence grade A or B). Special-purpose loans such as green, first home, SMSF, construction or bridging loans are not ranked here. Each lender appears once, with its lowest rate in this list. A loan-to-value (LVR) page lists only loans whose headline rate states an upper LVR of 80% or more. A loan with no LVR band stated is left out, and a lender can charge a higher rate above its headline band.

Are these rates offers, and does RateSonar take applications?

No to both. These are the rates lenders advertise, with the day RateSonar recorded each one. RateSonar is not affiliated with any lender, takes no applications and has no sponsored rows. This is general information, not financial advice. Check the rate and conditions with the lender before you act.

Other home loan types

Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.

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