Home Loans in the Northern Territory (NT) - Compare Rates from 70+ Lenders

Q: What is the average home loan interest rate in the Northern Territory in 2026?

In the Northern Territory, the average variable home loan interest rate for owner-occupiers paying principal and interest is approximately 6.78% as of 2 November 2026. The lowest variable rates available to NT borrowers start from 5.93% p.a. (6.28% comparison rate) from online lenders. Fixed rates start from 6.09% p.a. (6.24% comparison rate). These rates assume an 80% loan-to-value ratio on a standard owner-occupier loan. Darwin's lower median property price of ~$500,000 means smaller loan sizes and lower monthly repayments of approximately $2,400 on a median home - among the most affordable in any capital city.

Q: Which banks offer the best home loan rates in the Northern Territory?

In the Northern Territory, the best home loan rates as of 2026 come from a mix of online and traditional lenders. Unloan (backed by CommBank) offers a competitive variable rate with offset and redraw. Athena offers a competitive rate with automatic rate matching. Among the major banks, ING leads, followed by Macquarie and CommBank. The NT is Australia's smallest lending market by volume, and some online lenders restrict lending in certain NT postcodes, particularly remote and very remote areas. Using a broker is particularly valuable in the NT as they can identify which lenders actively accept applications for specific locations.

Q: How much deposit do I need for a home in Darwin?

To purchase a home in Darwin at the median house price of approximately $500,000, you would ideally need a 20% deposit of $100,000 to avoid paying Lenders Mortgage Insurance (LMI). The minimum deposit most lenders accept is 5%, which is $25,000 for a $500,000 property. First home buyers in the NT can combine the $50,000 FHOG (new homes) with the federal First Home Guarantee (5% deposit, no LMI) for an exceptionally low entry cost. The NT HomeBuild Access scheme also assists with deposits. Regional NT properties with a median of approximately $380,000 require a 20% deposit of just $76,000.

Q: What is the $50,000 First Home Owner Grant in the Northern Territory?

The Northern Territory offers Australia's most generous First Home Owner Grant at $50,000 for eligible first home buyers purchasing or building a new home. This is the highest FHOG in the country, exceeding Queensland and Tasmania's $30,000 grants. There is no property value cap for the NT FHOG. Additionally, the NT offers a $10,000 grant for first home buyers purchasing an existing (established) home - one of the few jurisdictions to offer a grant for established properties. Combined, these grants make the NT the most generous state or territory for first home buyer government support.

Q: What government grants are available for first home buyers in the NT?

First home buyers in the Northern Territory can access Australia's most generous government support package. The NT First Home Owner Grant provides $50,000 for new homes (no price cap) - the highest FHOG nationally. The $10,000 grant for established homes closed to contracts signed after 30 September 2025. First home buyers receive a stamp duty discount of $18,601. The HomeBuild Access scheme assists eligible buyers with additional support. The federal First Home Guarantee allows 5% deposits without LMI (unlimited places and no income cap since October 2025). The federal Help to Buy shared equity scheme requires just a 2% deposit. Combined, an NT first home buyer purchasing a new $500,000 home could access over $68,000 in government support.

Q: What is stamp duty on a $500,000 property in the Northern Territory?

Stamp duty on a $500,000 property in the Northern Territory is approximately $23,929 for a standard purchaser, calculated using the NT's unique formula: V = (0.06571441 × D²) + 15D, where D is the dutiable value divided by 1,000. First home buyers in the NT receive a stamp duty discount of $18,601 on their first home purchase, reducing the effective stamp duty to approximately $5,328 on a $500,000 property. This discount applies regardless of whether the property is new or established. The NT does not impose a foreign buyer surcharge on stamp duty, unlike most other states and territories.

Q: What is the HomeBuild Access scheme in the NT?

The HomeBuild Access scheme is a Northern Territory Government initiative designed to help eligible Territorians build or purchase a new home. The scheme provides additional financial assistance beyond the FHOG to help cover the gap between a buyer's savings and the deposit required by lenders. Eligibility criteria include being a Territory resident, meeting income thresholds, and purchasing or building a new home as a principal place of residence. The scheme can be combined with the $50,000 FHOG and the $18,601 stamp duty discount for maximum benefit. HomeBuild Access is particularly valuable for buyers in regional and remote NT areas where property options may be limited and construction costs are higher.

Q: What are the hidden costs of buying a home in the Northern Territory?

Beyond the purchase price and stamp duty, buying a home in the Northern Territory involves several additional and often unique costs. Conveyancing fees typically run $800-$1,500. Building and pest inspections cost $400-$800 (critical in the NT due to termite risk). Cyclone insurance is a significant ongoing cost - building insurance in Darwin can be $3,000-$8,000 per year, substantially more than southern states due to cyclone exposure. Loan application fees range from $0-$600. Lenders Mortgage Insurance (LMI) applies if your deposit is below 20% and can cost $3,000-$12,000 on a Darwin property. Land registration fees are approximately $150-$200. Budget an additional 4-6% of the purchase price for upfront and first-year costs.

Q: How does cyclone insurance affect home loan costs in the NT?

Cyclone insurance is a significant cost factor for NT home buyers that is often underestimated. Building insurance premiums in Darwin and northern coastal areas can be $3,000-$8,000 per year - three to five times higher than comparable properties in southern cities. All lenders require building insurance as a condition of the home loan, so this cost cannot be avoided. Some newer homes built to cyclone-resistant standards (post-2011 building code) attract lower premiums. Properties in Alice Springs and central Australia are not in the cyclone zone and have lower insurance costs. When calculating borrowing capacity, factor in higher insurance premiums as they reduce your disposable income for loan repayments.

Q: What is the median house price in Darwin in 2026?

The median house price in Darwin is approximately $500,000 as of early 2026, according to CoreLogic data. Darwin remains Australia's most affordable capital city for house purchases. After a prolonged downturn from 2014 to 2020, Darwin prices have recovered modestly with approximately 2-4% growth over the 12 months to September 2026. The median unit price in Darwin is approximately $330,000. Prices range from $350,000-$450,000 in outer suburbs like Palmerston and Humpty Doo to over $800,000 in premium suburbs like Fannie Bay, Parap, and Stuart Park. Darwin's affordability makes it one of the easiest capital cities to enter for first home buyers.

Compare home loan rates available to Northern Territory borrowers. Darwin metro median property price is ~$500K, regional NT ~$380K. Access Australia's highest FHOG at $50,000 for new homes.

Rates updated 2 November 2026

Loan purpose

Repayment type

Loan amount

100% free. No impact on your credit score. Default loan amount based on 80% LVR on Darwin median.

Compare home loan rates Northern Territory

Where Northern Territory home loan rates sit today

Rates rising

4.60%

RBA Cash Rate

Up from 4.35% - 29 Sept 2026

$400K

Median New Loan

Most affordable capital

From 6.09%

Lowest Fixed Rate

6.24% comparison rate

Darwin is Australia’s most affordable capital with median new mortgages around $400K. The RBA has lifted the cash rate to 4.60% (up from 4.35%) and with variable rates currently lower than fixed, a variable loan is cheaper today but moves with each rba decision. NT borrowers can lock in lower repayments on both new purchases and refinances.

70+ lenders in NT Updated daily $50,000 FHOG (new homes) Darwin & regional NT

Northern Territory Home Loan Key Facts

NT at a glance · 2026

6.78%

Avg variable rate

Owner-occ · lowest 5.93%

$500K

Darwin median price

Most affordable capital

$370K

Average loan size

Among lowest nationally

$23,929

Stamp duty (median)

Standard buyer · $500K home

First Home Owner Grant

$50,000 on new homes (highest nationally, no price cap) plus $10,000 on existing homes.

Key NT features

Most generous combined FHB grants nationally ($68K+), HomeBuild Access scheme, some lenders restrict NT postcodes, high cyclone insurance costs.

Sources: CoreLogic, RBA Table F6, ABS Lending Indicators, NT Revenue Office. Data as of 11 September 2026.

Best Home Loan Rates in Darwin and the Northern Territory

Rates shown are available to Northern Territory borrowers. Some lenders have postcode restrictions in remote and very remote NT areas. Monthly repayments are estimated based on a $500K property with 20% deposit ($400,000 loan) over 30 years.

Lender	Product	Rate (p.a.)	Comparison Rate	Monthly ($400K/30yr)	Features
SCCU	EMONEY HOME LOAN	5.93%	6.28%	$2,380	Offset, Redraw
SCCU	BROKER HOME LOAN	5.93%	6.28%	$2,380	Offset, Redraw
NORTHERN INLAND CREDIT UNION LTD.	Value Home Loan - Owner Occupied	5.94%	5.98%	$2,383	Redraw, Digital banking
The Mutual Bank	Budget Home Loan	6.04%	6.04%	$2,408	Digital banking, Redraw
Greater Bank	Discounted Great Rate Home Loan - Variable Owner Occupied	6.09%	6.10%	$2,421	Redraw, Digital banking
Macquarie verified Sep 23	Basic Home Loan	6.09%	6.11%	$2,421	Offset, Redraw
South West Slopes Credit Union	Intro Discounted Standard Variable Home Loan	6.10%	6.10%	$2,424	Digital banking, Redraw, Offset, NPP
South West Slopes Credit Union	Optimum 2 Year Fixed Rate Home Loan	6.10%	6.10%	$2,424	Digital banking, NPP, Redraw
South West Slopes Credit Union	Optimum 3 Year Fixed Rate Home Loan	6.10%	6.10%	$2,424	Digital banking, NPP, Redraw
POLICE CREDIT UNION LIMITED	Low Rate Home Loan Special Offer - Owner Occupied	6.14%	6.18%	$2,434	Digital banking, NPP, PayID, Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	REFI SPECIAL OWNER OCCUPIED	6.14%	6.24%	$2,434	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	2 FIXED RATE HOME LOAN	6.14%	6.14%	$2,434	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	1 YEAR FIXED RATE LOAN	6.14%	6.14%	$2,434	Offset, Redraw
Bendigo Bank	Bendigo Express Home Loan	6.14%	6.27%	$2,434	Redraw, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)	6.15%	6.20%	$2,437	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	GOVT LOW DEP VARIABLE OOC PI	6.17%	6.24%	$2,442	Redraw, Digital banking, PayID, NPP
Bank of China	Discount Home Loan (With Principal and Interest Repayment)	6.18%	6.38%	$2,445	Redraw, Digital banking
Bank of China	Discount Plus Home Loan (with Principal and Interest Repayment)	6.18%	6.56%	$2,445	Redraw, Offset, Digital banking
Bank of us	Flexidiscount Home Loan	6.19%	6.19%	$2,447	Redraw, Digital banking, NPP
FIRST OPTION BANK	SIMPLE HOME LOAN	6.19%	6.19%	$2,447	Digital banking, Redraw
Border Bank	Customs Value Home Loan	6.19%	6.26%	$2,447	Redraw, Offset
Up	Up Home Loan	6.20%	6.20%	$2,450	Digital banking, Offset, Redraw
Bank of us	TOPLINE HOME LOAN	6.24%	6.24%	$2,460	NPP, Redraw, Digital banking, Offset
UNITY BANK	Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO	6.24%	6.29%	$2,460	Offset, Redraw, PayID, NPP, Digital banking
BankWAW	Back to Basics Owner Occupied	6.24%	6.29%	$2,460	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%	6.24%	6.30%	$2,460	Redraw, Offset
Bank First Production	Basic Home Loan Variable LVR<60%	6.24%	6.29%	$2,460	Redraw, PayID, Digital banking
FIRST OPTION BANK	COMPLETE PACKAGE HOME LOAN	6.24%	6.59%	$2,460	Redraw, Digital banking, Offset
Police Bank	Goldrate Home Loan	6.24%	6.31%	$2,460	Redraw, Offset
BankVic	Home Loan Special Variable Rate	6.24%	6.24%	$2,460	Redraw, Offset
Border Bank	Goldrate Home Loan	6.24%	6.31%	$2,460	Offset, Redraw
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing	6.24%	6.58%	$2,460	Redraw, Offset, Digital banking
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing INV	6.24%	6.58%	$2,460	Redraw, Offset, Digital banking
HUME BANK LIMITED	liteBlue O/Occ P+I (up to 60%LVR)	6.24%	6.25%	$2,460	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)	6.29%	6.66%	$2,473	Offset, Redraw, Digital banking
ING	Mortgage Simplifier	6.29%	6.32%	$2,473	Digital banking, PayID, NPP, Redraw
Bank First Production	Basic Home Loan Variable LVR 60-70%	6.29%	6.34%	$2,473	Redraw, PayID, Digital banking
A-Auswide Bank	BASIC HOME LOAN	6.29%	6.32%	$2,473	Redraw, NPP, PayID
Tiimely	Tiimely Basic Home Loan	6.29%	6.30%	$2,473	Redraw
Easystreet	STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)	6.29%	6.34%	$2,473	Offset, Redraw
Credit Union SA	Variable Home Loan Package Specials	6.29%	6.66%	$2,473	Redraw, Offset, Digital banking
NRMA Insurance	NRMA Basic Home Loan	6.33%	6.37%	$2,484	Redraw
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset	6.34%	6.39%	$2,486	Redraw, PayID, NPP, Digital banking
UNITY BANK	Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO	6.34%	6.39%	$2,486	Offset, Redraw, PayID, NPP, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR <60%	6.34%	6.72%	$2,486	Offset, PayID, Digital banking, Redraw
BankWAW	Home Equity Loan Owner Occupied	6.34%	6.37%	$2,486	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70%	6.34%	6.40%	$2,486	Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Variable LVR <60%	6.34%	6.39%	$2,486	Offset, PayID, Digital banking, Redraw
Bank First Production	Basic Home Loan Variable LVR 70-80%	6.34%	6.39%	$2,486	Redraw, PayID, Digital banking
CENTRAL WEST CREDIT UNION LTD	Premium Smart Home Loan	6.34%	6.40%	$2,486	Redraw, Offset, Digital banking
Credit Union SA	40 Year Home Loan Package	6.34%	6.71%	$2,486	Redraw, Offset, Digital banking
HUME BANK LIMITED	liteBlue O/Occ P+I (60%-80% LVR)	6.34%	6.35%	$2,486	Digital banking, Redraw
Credit Union SA	Variable Home Loan Package Specials	6.34%	6.71%	$2,486	Redraw, Offset, Digital banking
HUME BANK LIMITED	myBlue Variable O/Occ P+I (up to 60% LVR)	6.34%	6.34%	$2,486	Redraw, Digital banking, Offset
BankVic	Fixed Rate Home Loan - 5 years	6.35%	6.35%	$2,489
BankVic	Fixed Rate Home Loan - 4 years	6.35%	6.35%	$2,489
BankVic	Fixed Rate Home Loan - 3 years	6.35%	6.35%	$2,489
BankVic	Fixed Rate Home Loan - 1 year	6.35%	6.35%	$2,489
BankVic	Fixed Rate Home Loan - 2 years	6.35%	6.35%	$2,489
BankVic	Home Loan Variable Rate	6.35%	6.35%	$2,489	Redraw
BNK Bank (Goldfields Money/BCHL)	Gold Prime Residential Basic Home Loans	6.35%	6.38%	$2,489	Digital banking, Redraw
Qudos Bank	Low Cost Value Package	6.38%	6.56%	$2,497	Offset, Redraw
Qudos Bank	No Frills Home Loan	6.38%	6.38%	$2,497	Digital banking, NPP, PayID, Redraw
Qantas Money	QANTAS Money Basic Home Loan	6.38%	6.45%	$2,497	Redraw
Bendigo Bank	Bendigo Easy Home Loan	6.38%	6.40%	$2,497	Redraw
CommBank	Digi Home Loan (Owner Occupied)	6.39%	6.41%	$2,499	Redraw, Digital banking, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR 60-70%	6.39%	6.77%	$2,499	Digital banking, PayID, Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Variable LVR 60-70%	6.39%	6.44%	$2,499	PayID, Digital banking, Redraw, Offset
BankVic	Offset Variable Rate Home Loan	6.39%	6.39%	$2,499	Redraw, Offset
POLICE CREDIT UNION LIMITED	Low Rate Home Loan - Owner Occupied	6.39%	6.46%	$2,499	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Renovation Loan - Owner Occupied	6.39%	6.46%	$2,499	Digital banking, NPP, PayID, Redraw, Offset
ORANGE CREDIT UNION LTD	Basic Variable Rate Home Loan	6.39%	6.44%	$2,499	Redraw
Bendigo Bank	Single Parents (Bendigo Complete Home Loan)	6.43%	6.65%	$2,510	Offset, Redraw
Unloan Prod	Unloan Home Loan	6.44%	6.35%	$2,513	Digital banking, Redraw, NPP
Bank of Queensland	Economy Variable Home Loan	6.44%	6.58%	$2,513	Redraw, Digital banking
THE CAPRICORNIAN	Variable Rate Offset Home Loan	6.44%	6.44%	$2,513	Offset, PayID, Digital banking, NPP, Redraw
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - With Offset	6.44%	6.49%	$2,513	Redraw, Offset, PayID, Digital banking, NPP
UNITY BANK	Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO	6.44%	6.49%	$2,513	Offset, Redraw, PayID, NPP, Digital banking
ING	Orange Advantage	6.44%	6.73%	$2,513	Digital banking, PayID, NPP, Redraw, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR 70-80%	6.44%	6.82%	$2,513	PayID, Digital banking, Redraw, Offset
Greater Bank	Discounted Ultimate Packaged Home Loan - Variable Owner Occupied	6.44%	6.80%	$2,513	Offset, Digital banking, Redraw
Bank First Production	Complete Home Loan Owner Occupied Variable LVR 70-80%	6.44%	6.49%	$2,513	Offset, PayID, Digital banking, Redraw
Bank of Sydney	BOS Basic Home Loan Owner Occupied	6.44%	6.48%	$2,513	Redraw, Digital banking
The Mutual Bank	Package Home Loan	6.44%	6.80%	$2,513	Offset, Redraw, Digital banking
NAB	NAB Tailored Home Loan	6.44%	6.57%	$2,513	Offset, Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (60.01 - 80.00% LVR)	6.44%	6.44%	$2,513	Redraw, Digital banking, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 95% (Principal and Interest)	6.45%	6.50%	$2,515	Digital banking, Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%	6.49%	6.55%	$2,526	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	BASIC VARIABLE LOAN	6.49%	6.59%	$2,526	Redraw, Offset
Cairns Bank	CLASSIC HOME LOAN VARIABLE <60 LVR PI	6.49%	5.95%	$2,526	Redraw
Aussie Home Loans	Aussie Elevate Basic Home Loan	6.54%	6.56%	$2,539	Redraw
Connective Select Home Loans	Connective Select Basic Home Loan	6.54%	6.56%	$2,539	Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 12 mths P&I Owner Occupied	6.54%	6.54%	$2,539	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 24 mths P&I Owner Occupied	6.54%	6.54%	$2,539	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 36 mths P&I Owner Occupied	6.54%	6.54%	$2,539	Offset, Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE 60-80 LVR PI	6.54%	6.00%	$2,539	Redraw
AFG Home Loans Alpha	AFG Alpha Basic Home Loan	6.54%	6.56%	$2,539	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (80%-90% LVR)	6.54%	6.55%	$2,539	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)	6.59%	6.96%	$2,552	Offset, Redraw, Digital banking
Unknown lender	Standard Variable Plus	6.59%	6.75%	$2,552	Redraw, Offset
Cairns Bank	PLUS HOME LOAN VARIABLE <60 LVR	6.59%	6.27%	$2,552	Redraw, Offset
LCU	Intelligent Mortgage 1 Year Fixed	6.60%	6.61%	$2,555	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage 2 Years Fixed	6.60%	6.63%	$2,555	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage Variable	6.60%	6.62%	$2,555	Redraw, Offset, Digital banking, NPP, PayID
THE CAPRICORNIAN	No Frills Owner Occupied Home Loan	6.64%	6.69%	$2,565	PayID, NPP, Digital banking, Redraw
Bank of Sydney	Expect More Home Loan Owner Occupied	6.64%	6.79%	$2,565	Digital banking, Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Variable	6.64%	6.69%	$2,565	Offset, Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE 60-80 LVR PI	6.64%	6.32%	$2,565	Redraw, Offset
Bank Australia	Basic Home Loan	6.64%	6.64%	$2,565	Digital banking, Redraw
Bank Australia	Offset Home Loan	6.64%	6.82%	$2,565	Digital banking, Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (80.01-90.00% LVR)	6.64%	6.64%	$2,565	Redraw, Digital banking, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR<80%	6.69%	6.85%	$2,578	PayID, Digital banking, Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR<80%	6.69%	6.51%	$2,578	Offset, PayID, Digital banking, Redraw
NAB	NAB Base Variable Rate Home Loan	6.69%	6.69%	$2,578	Redraw, Digital banking
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan Variable PI Owner Occupied	6.69%	7.03%	$2,578	Redraw, Offset, Digital banking
RACQ Bank	Fair Dinkum Home Loan	6.69%	6.69%	$2,578	Digital banking, NPP
Liberty Financial	Low rate home loan	6.74%	6.82%	$2,592	Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	STANDARD VARIABLE LOAN	6.74%	6.84%	$2,592	Redraw, Offset
Defence Bank Limited	Premier Low Rate	6.74%	6.74%	$2,592	Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE 80-90 LVR PI	6.74%	6.20%	$2,592	Redraw
HUME BANK LIMITED	liteBlue O/Occ I/O(up to 60% LVR)	6.74%	6.48%	$2,592	Digital banking, Redraw
Community First Credit Union	Community Advantage Variable Owner Occupied (Principal and Interest)	6.79%	6.84%	$2,605	Redraw
Qudos Bank	Construction Home Loan	6.79%	6.65%	$2,605
RACQ Bank	Mortgage Saver Home Loan	6.79%	6.83%	$2,605	Digital banking, NPP, Redraw
Bank of Queensland	Clear Path Variable Home Loan	6.84%	6.96%	$2,618	Offset, Redraw
Liberty Financial	Debt consolidation home loan	6.84%	7.11%	$2,618	Offset, Redraw
Liberty Financial	Flexible home loan	6.84%	7.11%	$2,618	Offset, Redraw
Bank First Production	Basic Home Loan Variable LVR 80-90%	6.84%	6.89%	$2,618	Redraw, PayID, Digital banking
Defence Bank Limited	Premier Home Loan	6.84%	6.84%	$2,618	Offset, Redraw
Defence Bank Limited	Ultimate Essentials Construction (INV)	6.84%	6.93%	$2,618	Offset, Digital banking, Redraw
AMP - My AMP	Equity Flex	6.84%	7.15%	$2,618	Redraw, Offset, Digital wallet, Digital banking
Cairns Bank	PLUS HOME LOAN VARIABLE 80-90 LVR PI	6.84%	6.51%	$2,618	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ I/O (60%-80% LVR)	6.84%	6.58%	$2,618	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (up to 60% LVR)	6.84%	6.56%	$2,618	Redraw, Digital banking, Offset
HORIZON BANK	Home Sweet Home Loan	6.89%	7.12%	$2,632	Redraw, Digital banking, NPP, Offset
IMB Bank	Essentials Home Loan	6.89%	7.00%	$2,632	Offset, Digital banking, Redraw
IMB Bank	Budget Home Loan	6.89%	6.95%	$2,632	Digital banking, Redraw
AMB Bank Product	DHOAS Construction Loan	6.89%	6.92%	$2,632
AMB Bank Product	DHOAS Rate Saver Home Loan	6.89%	6.92%	$2,632	Redraw
RACQ Bank	Mortgage Breaker Owner Occupied	6.89%	6.93%	$2,632	NPP, Digital banking, Offset, Redraw
Bank of us	TOPLINE RES. INV. LOAN	6.94%	7.01%	$2,645	NPP, Redraw, Digital banking, Offset
THE CAPRICORNIAN	Lifestyle Home Loan	6.94%	6.99%	$2,645	Offset, PayID, NPP, Digital banking, Redraw
St. George Bank	Basic Variable Home Loan	6.94%	6.95%	$2,645	Redraw, Digital banking
Bank of Melbourne	Basic Variable Home Loan	6.94%	6.95%	$2,645	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Variable LVR >80% <90%	6.94%	6.99%	$2,645	Offset, PayID, Digital banking, Redraw
BankSA	Basic Variable Home Loan	6.94%	6.95%	$2,645	Redraw, Digital banking
POLICE CREDIT UNION LIMITED	Better Home Loan 80% LVR - Owner Occupied	6.94%	7.01%	$2,645	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Better Home Loan 90% LVR - Owner Occupied	6.94%	7.01%	$2,645	Digital banking, NPP, PayID, Redraw, Offset
QBANK	Classic Home Loan	6.94%	6.96%	$2,645	Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE >90 LVR PI	6.94%	6.40%	$2,645	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (90%-95% LVR)	6.94%	6.95%	$2,645	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (60.01 - 80.00% LVR)	6.94%	6.66%	$2,645	Redraw, Digital banking, Offset
Newcastle Permanent	Real Deal Home Loan Principal and Interest	6.99%	7.03%	$2,659	Redraw, Digital banking
MACARTHUR CREDIT UNION LTD	LOW LVR OOC P&I	6.99%	7.06%	$2,659	Redraw
AMB Bank Product	Construction Loan	6.99%	7.02%	$2,659
AMB Bank Product	RateSaver Home Loan	6.99%	7.02%	$2,659	Redraw
CENTRAL WEST CREDIT UNION LTD	Minimiser Home Loan	7.04%	7.10%	$2,672	Redraw, Digital banking
Defence Bank Limited	Ultimate Essentials I/O Con	7.04%	7.13%	$2,672	Offset, Digital banking
QBANK	Classic Plus Home Loan	7.04%	7.31%	$2,672	Offset, Redraw
Defence Bank Limited	Ultimate Essentials Variable	7.04%	7.13%	$2,672	Digital banking, Offset, Redraw
AMB Bank Product	DHOAS Value Home Loan	7.04%	7.07%	$2,672	Offset, Redraw
AMB Bank Product	DHOAS Standard Variable Home Loan	7.04%	7.07%	$2,672	Redraw, Offset
AMP - My AMP	AMP Essential Home Loan	7.04%	7.07%	$2,672	Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE >90 PI	7.04%	6.71%	$2,672	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ I/O (80%-90% LVR)	7.04%	6.78%	$2,672	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (90.01 -95.00% LVR)	7.04%	7.04%	$2,672	Redraw, Digital banking, Offset
Westpac	Flexi First: Our lowest online variable home loan rate (Owner Occupied)	7.09%	7.10%	$2,685	Redraw, Digital banking
Bank of us	FLEXICHOICE HOME LOAN	7.11%	7.32%	$2,691	NPP, Redraw, Digital banking, Offset
NRMA Insurance	NRMA Offset Home Loan	7.13%	7.33%	$2,696	Offset, Redraw
Bendigo Bank	Bendigo Complete Home Loan	7.13%	7.35%	$2,696	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan	7.13%	7.30%	$2,696	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan (Retail)	7.13%	7.33%	$2,696	Offset, Redraw
Defence Bank Limited	Ultimate Essentials I/O	7.14%	7.23%	$2,699	Offset, Digital banking
Tiimely	Tiimely Offset Home Loan	7.14%	7.30%	$2,699	Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (80.01-90.00% LVR)	7.14%	6.86%	$2,699	Redraw, Digital banking, Offset
CENTRAL WEST CREDIT UNION LTD	Smart Home Loan	7.15%	7.21%	$2,702	Redraw, Offset, Digital banking
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 2 year	7.15%	7.15%	$2,702	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 1 year	7.15%	7.15%	$2,702	Digital banking, Redraw
Health Professionals Bank	Your Way Plus Home Loan	7.19%	7.48%	$2,712	Redraw, Digital banking, Offset
Health Professionals Bank	Your Way Home Loan	7.19%	7.26%	$2,712	Redraw, Digital banking
Regional Australia Bank	Regional Australia Bank Home Loan (Non Offset)	7.19%	7.22%	$2,712	Redraw
UniBank	Your Way Plus Home Loan	7.19%	7.48%	$2,712	Redraw, Digital banking, Offset
UniBank	Your Way Home Loan	7.19%	7.26%	$2,712	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR 80-90%	7.19%	7.02%	$2,712	Offset, PayID, Digital banking, Redraw
AMB Bank Product	Standard Variable Home Loan	7.19%	7.23%	$2,712	Redraw, Offset
AMB Bank Product	Value Home Loan	7.19%	7.23%	$2,712	Offset, Redraw
BankWAW	Flexible Choice Owner Occupied	7.24%	7.29%	$2,726	Redraw, Offset
Liberty Financial	Low doc home loan	7.24%	7.51%	$2,726	Redraw, Offset
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest	7.24%	7.30%	$2,726	Offset, Redraw
AMP - My AMP	AMP Superedge Loan	7.24%	7.61%	$2,726	Offset, Digital wallet, Digital banking
Credit Union SA	Variable Home Loan Package Principal and Interest	7.24%	7.59%	$2,726	Redraw, Offset, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR >80% <90%	7.28%	7.65%	$2,737	PayID, Redraw, Digital banking, Offset
Qantas Money	QANTAS Money Offset Home Loan	7.28%	7.50%	$2,737	Offset, Redraw
MACARTHUR CREDIT UNION LTD	LOW LVR INV P&I HOME LOAN	7.29%	7.36%	$2,740	Redraw
Bank First Production	Basic Home Loan Variable LVR>90%	7.29%	7.34%	$2,740	Redraw, PayID, Digital banking
Credit Union SA	Discounted Variable Rate Home Loan Principal and Interest	7.29%	7.32%	$2,740	Redraw, Digital banking
ANZ	ANZ Simplicity PLUS	7.34%	7.34%	$2,753	Digital banking, Redraw
Newcastle Permanent	Premium Plus Package Variable Home Loan Principal and Interest	7.35%	7.67%	$2,756	Digital banking, Offset, Redraw
Aussie Home Loans	Aussie Elevate Offset Home Loan	7.39%	7.56%	$2,767	Offset, Redraw
ME Bank	ME Bank CompleteME Home Loan	7.39%	7.75%	$2,767	Offset, Digital banking, Redraw
Liberty Financial	Fresh start home loan	7.39%	7.73%	$2,767	Redraw
Bank First Production	Complete Home Loan Owner Occupied Variable LVR >90%	7.39%	7.44%	$2,767	Digital banking, Redraw, PayID, Offset
Connective Select Home Loans	Connective Select Offset Home Loan	7.39%	7.56%	$2,767	Offset, Redraw
BNK Bank (Goldfields Money/BCHL)	Prime Alt Doc Jumbo (BNK)	7.39%	7.46%	$2,767	Offset, Digital banking, Redraw
AFG Home Loans Alpha	AFG Alpha Offset Home Loan	7.39%	7.56%	$2,767	Offset, Redraw
Regional Australia Bank	Regional Australia Bank Home Loan (Offset)	7.40%	7.43%	$2,770	Offset, Redraw
UniBank	Your Way Home Loan	7.44%	7.36%	$2,780	Redraw, Digital banking
THE CAPRICORNIAN	Premium Choice Home Loan	7.45%	7.50%	$2,783	PayID, NPP, Digital banking, Offset, Redraw
ANZ	ANZ Standard Variable home loan	7.49%	7.49%	$2,794	Digital banking, Redraw, Offset
Credit Union SA	Standard Variable Rate Home Loan Principal and Interest	7.49%	7.54%	$2,794	Offset, Redraw
AMP - My AMP	Professional Package	7.52%	7.92%	$2,802	Redraw, Offset, Digital wallet, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR 80-90%	7.53%	7.68%	$2,805	Offset, PayID, Digital banking, Redraw
My State PM Production	Basic Variable Loan	7.54%	7.57%	$2,808	Redraw, Digital banking
My State PM Production	Special Residential Variable Loan	7.54%	7.59%	$2,808	Digital banking, Offset, Redraw
HUME BANK LIMITED	liteBlue O/Occ I/O (90%-95% LVR)	7.54%	7.23%	$2,808	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Mortgage Equity Loan	7.60%	9.02%	$2,824	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR>90%	7.64%	7.47%	$2,835	PayID, Digital banking, Redraw, Offset
HUME BANK LIMITED	myBlue Variable O/Occ I/O (90.01 -95.00% LVR)	7.64%	7.31%	$2,835	Redraw, Digital banking, Offset
NORTHERN INLAND CREDIT UNION LTD.	Smart Home Loan Variable	7.69%	7.86%	$2,849	Redraw, Offset, Digital banking
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80%	7.74%	7.81%	$2,863	Offset, Redraw
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 80% LVR - Owner Occupied	7.74%	7.81%	$2,863	Offset, Redraw, NPP
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 90% LVR - Owner Occupied	7.74%	7.81%	$2,863	NPP, Offset, Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	HOME EQUITY LOAN	7.74%	7.85%	$2,863	Redraw
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR >90%	7.78%	8.15%	$2,874	Redraw, Offset, PayID, Digital banking
Bank of Queensland	BOQ Essential Home Loan	7.82%	7.84%	$2,885	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K	7.87%	7.94%	$2,899	Redraw, Digital banking, PayID, NPP
Greater Bank	Ultimate Packaged Home Loan - Variable Owner Occupied	7.91%	8.26%	$2,910	Digital banking, Redraw, Offset
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K	7.97%	8.04%	$2,927	Redraw, Digital banking, PayID, NPP
CommBank	Standard Variable Rate Home Loan (Owner Occupied)	7.99%	8.35%	$2,932	Redraw, Offset, Digital banking
CommBank	Simple Home Loan (Owner Occupied)	7.99%	8.13%	$2,932	Redraw, Offset, Digital banking
Virgin Money Australia	Virgin Money Lite Home Loan	8.02%	8.04%	$2,941	Digital banking, Redraw
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR>90%	8.03%	8.17%	$2,943	PayID, Redraw, Offset, Digital banking
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K	8.07%	8.14%	$2,955	Redraw, Digital banking, PayID, NPP
THE CAPRICORNIAN	Access Equity Home Loan	8.09%	8.14%	$2,960	PayID, NPP, Digital banking, Redraw
BNK Bank (Goldfields Money/BCHL)	Prime Alt Doc (BNK)	8.09%	8.17%	$2,960	Offset, Digital banking, Redraw
Greater Bank	Great Rate Home Loan - Variable Owner Occupied	8.11%	8.12%	$2,966	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I	8.17%	8.24%	$2,983	Redraw, Digital banking, PayID, NPP
MACARTHUR CREDIT UNION LTD	MORTGAGE OFFSET OWNER OCCUPIED P&I	8.17%	8.24%	$2,983	Redraw, Digital banking, NPP, PayID, Offset
AMP - My AMP	Land Loan	8.20%	8.26%	$2,991	Redraw, Digital banking
BOQ Specialist	Basic Home Loan	8.27%	8.45%	$3,011	Redraw
HORIZON BANK	HANDYLOAN	8.39%	8.39%	$3,045	Digital banking, PayID, NPP, Digital wallet
Virgin Money Australia	Virgin Money Loaded Home Loan	8.41%	8.68%	$3,050	Offset, Digital banking, Redraw
Bank of Queensland	BOQ Plus Home Loan	8.49%	8.76%	$3,073	Digital banking, Redraw
My State PM Production	Standard Variable Loan	8.62%	8.68%	$3,110	Digital banking, Offset, Redraw
Bank of China	Standard Variable Rate Home Loan	8.64%	8.71%	$3,115	Redraw, Digital banking
BNK Bank (Goldfields Money/BCHL)	Gold Prime Residential Special Home Loans	8.64%	8.67%	$3,115	Offset, Redraw, Digital banking
The Mutual Bank	Express Credit Facility	8.89%	8.89%	$3,187	PayID, NPP, Digital banking, Digital wallet
ANZ Plus	ANZ Plus Home Loan Variable	8.89%	8.89%	$3,187	Redraw, Offset, Digital banking
Judo Bank	Home Loan	8.90%	8.92%	$3,190	Redraw
Westpac	Premium Options Home Loan	9.08%	9.08%	$3,242	Redraw
Liberty Financial	Low deposit home loan	9.14%	9.89%	$3,259	Offset, Redraw
IMB Bank	Standard Variable Home Loan	9.21%	9.28%	$3,279	Offset, Digital banking, Redraw
THE CAPRICORNIAN	Mortgage Plus Home Loan	9.23%	9.23%	$3,285	Digital banking, Digital wallet, PayID, NPP
Bank of Melbourne	Variable Home Loan with Offset	9.34%	9.48%	$3,317	Offset, Redraw, Digital banking
BankSA	Variable Home Loan with Offset	9.35%	9.49%	$3,320	Offset, Redraw, Digital banking
St. George Bank	Variable Home Loan with Offset	9.36%	9.50%	$3,323	Offset, Redraw, Digital banking
Westpac	Rocket Loan: Variable Home Loan with Offset (Owner Occupied)	9.38%	9.52%	$3,328	Redraw, Offset, Digital banking
UNITY BANK	Retirees Access Home Loan	9.50%	9.60%	$3,363	Redraw, PayID, NPP, Digital banking
Arab Bank Australia Ltd Prod	The Basics Home Loan	9.54%	9.67%	$3,375	Redraw, Digital banking
Arab Bank Australia Ltd Prod	Basics Home Loan Special Offer	9.54%	9.67%	$3,375	Digital banking, Redraw
Bank of Melbourne	Relocation Loan without end	9.63%	9.45%	$3,401
Bank of Melbourne	Relocation Loan with end	9.63%	9.45%	$3,401
Arab Bank Australia Ltd Prod	Essentials Home Loan Special Offer	9.64%	9.69%	$3,404	Digital banking, Redraw, Offset
Arab Bank Australia Ltd Prod	Essentials Home Loan	9.64%	9.69%	$3,404	Redraw, Digital banking, Offset
BankSA	Relocation Loan with end	9.64%	9.46%	$3,404
BankSA	Relocation Loan without end	9.64%	9.46%	$3,404
St. George Bank	Relocation Loan without end	9.65%	9.47%	$3,407
St. George Bank	Relocation Loan with end	9.65%	9.47%	$3,407
BOQ Specialist	Plus Home Loan	9.69%	9.69%	$3,419
BOQ Specialist	Home Loan Banking Package	9.87%	10.33%	$3,472
A-Auswide Bank	HOME LOAN PLUS	10.01%	10.17%	$3,513	Offset, Redraw, NPP, PayID
NAB	NAB FlexiPlus Mortgage	10.36%	10.36%	$3,617	Digital banking
Bank of Sydney	Home Equity Maximiser Owner Occupied	11.90%	11.90%	$4,084	Digital banking

Rates based on $400,000 owner-occupier P&I loan (80% LVR on $500K Darwin median), 30-year term. Rates are indicative and subject to change. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display, excluding products restricted to particular professions, first home buyers or government schemes. Each lender's eligibility criteria still apply and the lowest rate may not be available to you. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites. Last updated: 2 November 2026. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Savings example: On Darwin’s ~$400,000 median new loan over 30 years, cutting your rate by 0.60% saves about $155/month.

0 lenders included

Live CDR rates

Save up to $1,358/year* by switching home loan

Compare your current rate against the lowest variable rate on our live Consumer Data Right feed - 5.93% p.a. across 70+ Australian lenders.

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*Illustrative only. Based on a $650,000 loan over 30 years moving from 6.20% (RBA average rate on outstanding owner-occupier variable loans, August 2026) to 5.93%, the lowest broadly available variable rate on our CDR feed. Lender eligibility criteria apply and it may not be available to you. Annual difference in principal and interest repayments (paid monthly), before fees and switching costs - not a projection over the loan term. Actual savings depend on your loan details and lender assessment.

Northern Territory Home Loan Calculators

Estimate your borrowing power and repayments. Defaults are tuned to a typical NT home loan of $400,000.

Borrowing Power Calculator

Estimate how much you could borrow based on your income and expenses. Factors in APRA's 3% serviceability buffer.

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Repayment Calculator

Calculate your monthly, fortnightly or weekly home loan repayments and total interest paid on a NT home loan.

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Offset accounts work harder in the NT: Parking $50,000 in a 100% offset against a Darwin-sized $400,000 loan at our lowest variable rate of 5.93% (lender eligibility criteria apply) trims interest by roughly $2,965/year while keeping the cash fully accessible - and shaves around 3 years off a 30-year term if left untouched. Try it in the repayment calculator below.

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Compare home loan products available to NT buyers from 70+ Australian lenders. Indicative rates, fees and features in minutes - comparing on this site has no impact on your credit score.

Northern Territory Property Market Overview

The Northern Territory property market is Australia's most affordable capital city market and one of its most unique. After a prolonged downturn from 2014 to 2020 driven by reduced mining activity and population decline, Darwin has shown modest recovery with 2-4% annual growth. The NT economy is heavily influenced by defence spending, the gas sector (Santos Barossa project), and government employment. Darwin offers Australia's highest rental yields and most generous first home buyer grants.

Darwin Metro snapshot

Median house price: ~$500,000
Median unit price: ~$330,000
12-month growth: +3.2%
Average days on market: 45 days
Gross rental yield (houses): ~5.8%

Source: CoreLogic, REINT, September 2026

Regional NT snapshot

Alice Springs median house: ~$420,000
Katherine median house: ~$340,000
Regional growth: +2.5%
Average days on market: 55 days
Lending restrictions: Common in remote areas

Source: CoreLogic, REINT, 2026

Key Darwin growth areas

In 2026, Darwin's growth is concentrated in the northern suburbs (Palmerston, Rosebery, Durack) which offer newer housing stock at affordable prices ($400,000-$500,000). The inner suburbs (Stuart Park, Fannie Bay, Parap, Larrakeyah) remain Darwin's premium market with medians over $700,000. The rural area south of Darwin (Humpty Doo, Berry Springs, Howard Springs) attracts buyers seeking acreage-style living. Alice Springs is the Territory's second market, popular with government workers and those in the tourism and health sectors. The Middle Arm sustainable development precinct and Darwin's role in Australia's defence strategy are expected to drive long-term employment and housing demand.

Northern Territory Stamp Duty Rates and Thresholds

In the Northern Territory, stamp duty is calculated using a unique formula for properties up to $525,000, then a flat percentage above that. First home buyers receive a stamp duty discount of $18,601 regardless of property type (new or established). Notably, the NT does not impose a foreign buyer surcharge on stamp duty.

Property Value	Duty Calculation
Up to $525,000	V = (0.06571441 × D²) + 15D, where D = dutiable value ÷ 1,000
$525,001-$3,000,000	4.95% of property value
Over $3,000,000	5.75% of property value

Up to $525,000

V = (0.06571441 × D²) + 15D, where D = dutiable value ÷ 1,000

$525,001-$3,000,000

4.95% of property value

Over $3,000,000

5.75% of property value

First home buyer concessions

$18,601 stamp duty discount (new & established)
Effective stamp duty on $500K: ~$5,328 (after discount)
No property value cap for the discount
Must live in property for 6 continuous months

Foreign buyer considerations

No foreign buyer stamp duty surcharge
Only jurisdiction without foreign surcharge
FIRB approval still required for foreign buyers

Source: NT Revenue Office, 2026

First home buyer advantage: Darwin first home buyers building or buying a new home can combine the $50,000 HomeGrown Territory grant with stamp duty concessions. HomeGrown and FreshStart are alternatives for different buyers and cannot be combined.

Northern Territory Government Grants & Schemes for Home Buyers

FHOG - New Homes ($50,000)

The Northern Territory offers Australia's highest First Home Owner Grant at $50,000 for eligible first home buyers purchasing or building a new home. There is no property value cap, making this the most generous new home FHOG in the country by a significant margin.

Grant amount: $50,000
Property value cap: No cap
Eligibility: New homes only
Residency requirement: 6 months continuous

FHOG - Existing Homes ($10,000)

Uniquely, the NT also offers a $10,000 grant for first home buyers purchasing an established (existing) home. Most other states only offer grants for new homes. This makes the NT one of the most accessible markets for first home buyers purchasing any type of property.

Grant amount: $10,000
Property type: Established homes
Property value cap: No cap
Combined with new FHOG: No (one or the other)

HomeBuild Access

The HomeBuild Access scheme is an NT Government initiative that helps eligible Territorians build or purchase a new home by providing additional financial assistance to bridge the deposit gap. It can be combined with the $50,000 FHOG and stamp duty discount.

Purpose: Deposit gap assistance
Combinable with FHOG: Yes
Property type: New homes

Total FHB Support (New Home)

When combined, the NT offers Australia's most generous total first home buyer support. A first home buyer building a $500,000 new home can access $50,000 FHOG plus $18,601 stamp duty discount, totalling over $68,000 in government support - the highest of any state or territory.

FHOG (new home): $50,000
Stamp duty discount: $18,601
Total government support: $68,601+

Choosing a Home Loan Lender in the Northern Territory

Major banks in NT

All four major Australian banks have branch networks in Darwin and Palmerston. NAB has particularly strong presence in the NT. Alice Springs is served by all majors. The NT's smaller population means fewer branch locations compared to other capitals, but all lenders offer full digital services.

All four majors in Darwin & Alice Springs
NAB - strong NT presence
Broker essential for remote locations

Online lenders in NT

Online lenders offer the lowest rates for NT borrowers in Darwin and Palmerston. However, some online lenders restrict lending in certain NT postcodes, particularly remote areas. Always confirm postcode acceptance before applying.

Unloan

From 6.44% (6.35% comparison rate*)

Darwin postcodes

Athena

From 6.04% (6.04% comparison rate*)

Limited NT postcodes

ING

From 6.29% (6.32% comparison rate*)

Orange Everyday

CommBank

From 6.39% (6.41% comparison rate*)

Full NT coverage

Remote NT lending challenges

The NT has more postcode restrictions than any other state due to its large remote and very remote area. Many lenders restrict lending in Aboriginal community lands, pastoral properties, and small remote towns. Katherine, Tennant Creek, and Nhulunbuy may face restrictions from some lenders. Properties in cyclone-prone areas require specialist insurance which affects borrowing costs. Higher deposits (20-30%) are often required for remote properties. Using a broker experienced in NT lending is essential for anything outside Darwin, Palmerston, and Alice Springs.

Broker vs direct in NT

In the Northern Territory, using a mortgage broker is highly recommended - more so than in any other state. The NT's unique postcode restrictions, cyclone insurance requirements, and smaller lending market mean a broker's expertise is invaluable. Brokers can identify which lenders actively accept NT applications, navigate the combination of $50,000 FHOG, stamp duty discount, and federal schemes, and advise on cyclone insurance implications for borrowing capacity. For Darwin and Palmerston purchases, both broker and direct approaches work well. For anywhere else in the NT, a broker is almost essential.

$500K

Darwin median house price

Most affordable capital city

$50K

FHOG for new homes

Highest in Australia, no cap

$68K+

Total FHB support (new home)

FHOG + stamp duty discount

Frequently Asked Questions - Home Loans in the Northern Territory

Common questions about buying a home and getting a home loan in the Northern Territory.

Rates & Borrowing in the Northern Territory

What is the average home loan interest rate in the Northern Territory in 2026?

Which banks offer the best home loan rates in the Northern Territory?

How much deposit do I need for a home in Darwin?

Grants, Stamp Duty & Costs

What is the $50,000 First Home Owner Grant in the Northern Territory?

What government grants are available for first home buyers in the NT?

What is stamp duty on a $500,000 property in the Northern Territory?

What is the HomeBuild Access scheme in the NT?

What are the hidden costs of buying a home in the Northern Territory?

How does cyclone insurance affect home loan costs in the NT?

Buying in the Northern Territory

What is the median house price in Darwin in 2026?

Can I get a home loan for regional Northern Territory?

Is Darwin property a good investment in 2026?

Related Northern Territory Guides & Resources

Complete Home Loan Guide

Everything you need to know about Australian home loans.

Home Loans Australia

National home loan comparison.

First Home Buyers NT

$50K FHOG & NT grants guide.

Refinance NT

Switch & save on your NT loan.

Green Home Loans NT

Solar & green loan options.

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