Deposit & LVR explorer
Compare 2%, 5%, 10%, 15%, 20% or a custom deposit at a purchase price, or check one specific deposit against its LVR, whether LMI commonly applies (ASIC (Moneysmart), verified 29 Jul 2026), and which deposit-based government schemes might be in range.
Compare deposit sizes at one price
Check one specific deposit
Methodology and assumptions
Formula: LVR = loan amount ÷ purchase price. Loan amount = purchase price − deposit. Indicative repayments use the RBA's published average owner-occupier variable rate (Reserve Bank of Australia, verified 29 Jul 2026) over a 30-year term.
LMI threshold: 80.0% LVR (ASIC (Moneysmart), verified 29 Jul 2026) — an indicative threshold; individual lenders can set their own.
Scheme deposit minimums: shown as reference points from Delora's knowledge graph, not an eligibility check — see the government support guide for full criteria.
Excluded: an actual LMI premium estimate, buying costs beyond the deposit, and any lender-specific LVR policy.
Jurisdiction: Australia-wide.
Last verified: 2026-07-29
Sources and methodology
- Save for a house deposit — ASIC (Moneysmart) (retrieved 29 Jul 2026)
- Australian Government 5% Deposit Scheme — Housing Australia / Australian Government (retrieved 29 Jul 2026)
- Australian Government Help to Buy Scheme — Housing Australia / Australian Government (retrieved 29 Jul 2026)
- F6 Housing Lending Rates — Reserve Bank of Australia (retrieved 29 Jul 2026)
Figures on this page are drawn from Delora's local knowledge graph, refreshed from these primary sources and checked for changes on a regular schedule. If a figure here looks out of date, the official source above is always the authority — please let us know.