Owner-occupier home loan rates up to 90% LVR: 5.69%
20 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 90% loan-to-value ratio or more is 5.69%, on the Aaa Financial Corporation Portfolio Loan. 20 lenders have a current loan here; 1 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.44%. That is the same as the lowest variable principal and interest rate (5.69%).
| 1 | Aaa Financial Corporation | Portfolio Loan | 5.69% | — | Variable · Owner-occupier | 0–90% | 4 | 2026-11-02 |
| 2 | First Option Bank | SIMPLE HOME LOAN | 6.19% | 6.19% | Variable · Owner-occupier | 70–95% | 2 | 2026-11-02 |
| 3 | Loans Com Au | Bare Home Loan | 6.19% | 6.23% | Variable · Owner-occupier | 0–90% | 3 | 2026-11-02 |
| 4 | UniBankMembers only | Your Way Home Loan | 6.19% | 6.25% | Variable · Owner-occupier | 0.1–95% | 1 | 2026-11-02 |
| 5 | Teachers Mutual BankMembers only | Your Way Home Loan | 6.19% | 6.25% | Variable · Owner-occupier | 0.1–95% | 1 | 2026-11-02 |
| 6 | Firefighters Mutual BankMembers only | Your Way Home Loan | 6.19% | 6.25% | Variable · Owner-occupier | 0.1–95% | 1 | 2026-11-02 |
| 7 | Australian Mutual Bank LTD | Your Way Home Loan | 6.19% | 6.25% | Variable · Owner-occupier | 0.1–95% | 1 | 2026-11-02 |
| 8 | Health Professionals BankMembers only | Your Way Home Loan | 6.19% | 6.25% | Variable · Owner-occupier | 0.1–95% | 1 | 2026-11-02 |
| 9 | Horizon Bank | 1 Year Fixed Home Loan | 6.29% | 6.93% | Fixed 1y · Owner-occupier | 70.01–90% | 5 | 2026-11-02 |
| 10 | Australian Military Bank | 1 Year Fixed Rate Home Loan | 6.39% | 7.14% | Fixed 1y · Owner-occupier | 0–98% | 5 | 2026-11-02 |
| 11 | IMB Bank | 1 year Fixed Rate Home Loan | 6.49% | 6.56% | Fixed 1y · Owner-occupier | 1–95% | 6 | 2026-11-01 |
| 12 | Police Credit Union Ltd | 1 Year Fixed Rate Home Loan 90% LVR - Owner Occupied | 6.49% | 7.23% | Fixed 1y · Owner-occupier | 80–90% | 7 | 2026-11-01 |
| 13 | QBANKMembers only | 3 Year Fixed Home Loan | 6.49% | 7.80% | Fixed 3y · Owner-occupier | 0–95% | 5 | 2026-11-02 |
| 14 | People First and Heritage Bank | Standard Fixed Rate Home Loans - Owner Occupied | 6.49% | 8.78% | Fixed 1y · Owner-occupier | 0–95% | 3 | 2026-11-02 |
| 15 | RACQ Bank | 1 Year Fixed Home Loan Owner Occupier | 6.69% | 7.00% | Fixed 1y · Owner-occupier | 0.01–90% | 4 | 2026-11-02 |
The 15 lowest of 20 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 90% 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).
| Lowest rate | 5.69%: Aaa Financial Corporation Portfolio Loan, recorded 2 Nov 2026 |
|---|---|
| Lenders in this list | 20 |
| Loans in this list | 80 |
| Median of each lender's lowest rate | 6.44% |
| Lowest to highest lender | 5.69% to 8.62% (293 basis points) |
| Lowest comparison rate | 6.19%: First Option Bank SIMPLE HOME LOAN |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect 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 90% LVR in Australia?
Among the 20 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 6.44%.
Is the lowest rate also the lowest comparison rate?
No. The lowest published comparison rate in this list is 6.19% on the First Option Bank SIMPLE HOME LOAN, which advertises 6.19%. 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 90% 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
- Owner-occupier fixed6.09%
- Owner-occupier interest-only6.19%
- Owner-occupier, up to 80% LVR5.69%
- Owner-occupier, up to 95% LVR6.19%
- Owner-occupier 1-year fixed6.19%
- Owner-occupier 2-year fixed6.09%
- Owner-occupier 3-year fixed6.24%
- Owner-occupier 4-year fixed6.49%
- Owner-occupier 5-year fixed6.49%
- Variable5.69%
Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.