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Our lowest variable rate home loan

5.99%p.a
Basic Home Loan. Owner Occupied P&I. LVR up to 60%*
6.02%p.a
Comparison Rate1
Find out more
Our new look Internet Banking is here
For everything you need to know about our new Internet Banking, head to our FAQs.
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2024 Annual General Meeting
Our AGM will be held on Thursday 21 November 2024, at Leonda by the Yarra, 2 Wallen Road, Hawthorn.
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News and Articles

simon-terry
1 minute read31 October 2024

Bank First announces Chair Elect

Corporate
Bank First has announced the appointment of Simon Terry as Chair Elect, succeeding Bernie Lloyd who is retiring from the Board after 13 years of service.
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Bernie-Lloyd-presenting
2 minutes read30 October 2024

Thank you Bernie!

Corporate
After 13 years on our board, Bernie Lloyd’s final ‘official’ meeting will be the 2024 Annual General Meeting.
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Bernie-Lloyd-BCCM-Group
1 minute read23 October 2024

Chair honoured by BCCM

Corporate
Bank First Chair Bernie Lloyd has been officially inducted into the Business Council of Co-operatives and Mutual (BCCM) honour roll.
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Supporting you through each life stage

No matter what life stage you’re at, we’re here to support you with products and advice best suited to your individual needs. Explore your options below!

Saving for your first home?
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First Home Bonus Saver

Our First Home Bonus Saver earns extra interest with $600 cashback and the establishment fee waived if you take out a home loan with us. T&Cs apply.
4.60%p.a
Bonus interest rate2
0.05%p.a
Base interest rate
  • Cash back
  • No minimum first deposit
  • Grow your savings quickly
  • Earn bonus interest
Learn moreApply now
Kickstart your savings online
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Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

5.99%p.a
Owner Occupied P&I. LVR up to 60%*
6.02%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A helping hand
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Personal Loan

From a holiday to a renovation, sometimes you need a unique solution. Our Personal Loan can help you achieve your dream.
9.64%p.a
Variable interest rate
11.00%p.a
Comparison Rate3
  • Flexible repayment options
  • Redraw option
  • No ongoing fees
  • Secure a personal loan for up to 7 years
Learn moreApply now
Peace of mind
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Home and Contents Insurance

Feel at peace knowing your home and contents are safe with CGU Home and Contents Insurance.⁴
  • Choice of 3 cover options
  • Flexible payment options
  • Lodge claims 24/7
  • We've partnered with CGU, one of Australia's most trusted insurers
Learn moreGet a quote
Ready for the future
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Financial planning

Need help to build your wealth and protect your family for the future? Chat to a Financial Planner today to explore your options.
  • Our expert, ethical advice is designed to put you first
  • Suitable investment strategies
  • Protect your loved ones
  • Estate planning
Learn more
Our lowest variable rate
happy-face-and-senior-woman-in-studio-laugh-hero

Basic Home Loan

5.99%p.a
Owner Occupied P&I. LVR up to 60%*
6.02%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
Protect your family
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Life Insurance

Make the right decision to protect your family’s future. Whether it be life insurance or income protection, you can have peace of mind for your family’s future. Contact us today for a quote.
  • We’ve partnered with Zurich, whose focus is providing you cover that will give you peace of mind
  • A commitment to paying claims quickly, sensitively and transparently
  • Making it easy to get the information you need and the help you want
Learn moreGet a quote
Ready for the future
middleage-female-professional-meeting-hero

Financial planning

Need help to build your wealth and protect your family for the future? Chat to a Financial Planner today to explore your options.
  • Our expert, ethical advice is designed to put you first
  • Suitable investment strategies
  • Protect your loved ones
  • Estate planning
Learn more
Bonuses on savings
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Bonus Saver Account

Reach your savings goal quicker with a Bonus Saver Account. Get bonus interest when you make a deposit of at least $1 each month.
4.55%p.a
Bonus interest rate6
0.05%p.a
Base interest rate
  • No minimum first deposit, so you can start saving today
  • Interest calculated daily and applied monthly
  • Generous bonus interest
Learn moreApply now
Kickstart your savings online
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Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
Learn moreApply now
Grow your money
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Term Deposit

Grow your savings and keep your money safe for the future with a Term Deposit. Choose from a different range of terms to suit your needs.
  • Fixed return on your investments
  • Deposit protection
  • No monthly account or application fees
  • Flexible terms
Learn moreApply now
Everyday account for pensioners
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Pension Account

Competitive interest rates for pensioners to make sure that your money's working for you.
3.40%p.a
Interest rate (all amounts)
  • No minimum balance necessary
  • Access your funds whenever you need them for your everyday spending
  • Benefit from interest that is a higher rate than a standard transaction account
Learn moreApply now
Kickstart your savings online
young-denim-outdoors-hero

Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
Learn moreApply now
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No wallet, no problem

Simply add your card to your digital wallet and pay on-the-go through Apple Pay7 or Google Pay7.

Quick and easy, tap and go.

Apple PayGoogle Pay

We're here to help

Get in touchGet in touch

Fill in our online form, request a callback or find a branch.

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Fraud and scamsFraud and scams

Find more information and resources on theft, fraud and scams.

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Forms and applicationsForms and applications

Make account changes or apply online.

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Download our AppDownload our App

Easy, fast and secure banking on-the-go.

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    1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    2. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the calendar month.

    3. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    4. Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 trading as CGU Insurance (CGU). In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank First (Bank First), acts under its own AFSL and under an agreement with CGU, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions. 

    5. Minimum redraw is $500.

    6. Bonus interest additional to the base rate applies when you make at least one deposit of a minimum of $1.00 and no withdrawals are made in the calendar month.

    7. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

    *Interest rates apply to new lending only.

     

Custodian-Flags

Bank First acknowledges the Traditional Custodians of the land on which we come together and we pay our respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples and other First Nations people who are part of our community.