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Manage my home loan | Bank First

1300 654 822
BSB 704-191

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Is your loan still the right fit?

As your life and the market changes, your loan can change with you. Our team of home loan experts are here to help.

Does your home loan meet your needs?

Your needs might’ve changed since you first took out your loan. It may be a good time to check if it’s still the right fit.

Loan purpose

To live in

An investment

My repayments will be

Principal and interest

Interest only

Estimated property value

I'd like to borrow

Your Loan to Value Ratio (LVR)

75.0%

Save another %val% and your variable rates could improve with a lower LVR.

50-60%

60-70%

70-80%

80-90%

> 90%

Save another %val% and your variable rates could improve with a lower LVR.

Our lowest variable rate

family-renovating-kitchen-with-playful-children

Basic Home Loan

5.24^%per annum_p.a

Owner Occupied P&I. LVR up to 60%^*

5.27^%per annum_p.a

Comparison Rate¹

5.29^%per annum_p.a

Owner Occupied P&I. LVR above 60% - 70%^*

5.32^%per annum_p.a

Comparison Rate¹

5.34^%per annum_p.a

Owner Occupied P&I. LVR above 70% - 80%^*

5.37^%per annum_p.a

Comparison Rate¹

5.84^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%^*

5.87^%per annum_p.a

Comparison Rate¹

6.29^%per annum_p.a

Owner Occupied P&I. LVR above 90%^*

6.32^%per annum_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 more Apply now

A variable loan with offset

duo-assembling-white-furniture-on-wooden-floor

Complete Home Loan

5.34^%per annum_p.a

Owner Occupied P&I. LVR up to 60%^*

5.37^%per annum_p.a

Comparison Rate¹

5.39^%per annum_p.a

Owner Occupied P&I. LVR above 60% - 70%^*

5.42^%per annum_p.a

Comparison Rate¹

5.44^%per annum_p.a

Owner Occupied P&I. LVR above 70% - 80%^*

5.47^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%^*

5.97^%per annum_p.a

Comparison Rate¹

6.39^%per annum_p.a

Owner Occupied P&I. LVR above 90%^*

6.42^%per annum_p.a

Comparison Rate¹

100% variable offset²
Competitive variable rate
No ongoing or monthly fees

Learn more Apply now

A variable loan with multiple offsets

couple-under-blanket-fort-with-string-lights

Premier Package Home Loan

5.34^%per annum_p.a

Owner Occupied P&I. LVR up to 60%^*

5.73^%per annum_p.a

Comparison Rate¹

5.39^%per annum_p.a

Owner Occupied P&I. LVR above 60% - 70%^*

5.78^%per annum_p.a

Comparison Rate¹

5.44^%per annum_p.a

Owner Occupied P&I. LVR above 70% - 80%^*

5.83^%per annum_p.a

Comparison Rate¹

6.28^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%^*

6.65^%per annum_p.a

Comparison Rate¹

6.78^%per annum_p.a

Owner Occupied P&I. LVR above 90%^*

7.14^%per annum_p.a

Comparison Rate¹

Up to 8 offset accounts²
Split your home loan into a variable and fixed option
Enjoy discounts on other products

Learn more Apply now

Certainty of a fixed rate

couple-unpacking-and-playing-with-dog-in-bright-living-room

Premier Package Home Loan

5.49^%per annum_p.a

Owner Occupied P&I. LVR up to 80%. 1 year fixed^*

5.83^%per annum_p.a

Comparison Rate¹

5.54^%per annum_p.a

Owner Occupied P&I. LVR up to 80%. 2 years fixed^*

5.84^%per annum_p.a

Comparison Rate¹

5.64^%per annum_p.a

Owner Occupied P&I. LVR up to 80%. 3 years fixed^*

5.88^%per annum_p.a

Comparison Rate¹

5.64^%per annum_p.a

Owner Occupied P&I. LVR up to 80%. 4 years fixed^*

5.90^%per annum_p.a

Comparison Rate¹

5.64^%per annum_p.a

Owner Occupied P&I. LVR up to 80%. 5 years fixed^*

5.91^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed^*

6.62^%per annum_p.a

Comparison Rate¹

6.04^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed^*

6.60^%per annum_p.a

Comparison Rate¹

6.14^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed^*

6.61^%per annum_p.a

Comparison Rate¹

6.30^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed^*

6.66^%per annum_p.a

Comparison Rate¹

6.30^%per annum_p.a

Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed^*

6.66^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Owner Occupied P&I. LVR above 90%. 1 year fixed^*

7.06^%per annum_p.a

Comparison Rate¹

6.04^%per annum_p.a

Owner Occupied P&I. LVR above 90%. 2 years fixed^*

7.00^%per annum_p.a

Comparison Rate¹

6.14^%per annum_p.a

Owner Occupied P&I. LVR above 90%. 3 years fixed^*

6.96^%per annum_p.a

Comparison Rate¹

6.30^%per annum_p.a

Owner Occupied P&I. LVR above 90%. 4 years fixed^*

6.97^%per annum_p.a

Comparison Rate¹

6.30^%per annum_p.a

Owner Occupied P&I. LVR above 90%. 5 years fixed^*

6.93^%per annum_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

Learn more Apply now

Our lowest variable rate

male-indoors-home-kitchen

Basic Home Loan

5.44^%per annum_p.a

Investment P&I. LVR up to 60%^*

5.47^%per annum_p.a

Comparison Rate¹

5.49^%per annum_p.a

Investment P&I. LVR above 60% - 70%^*

5.52^%per annum_p.a

Comparison Rate¹

5.54^%per annum_p.a

Investment P&I. LVR above 70% - 80%^*

5.57^%per annum_p.a

Comparison Rate¹

6.14^%per annum_p.a

Investment P&I. LVR above 80% - 90%^*

6.17^%per annum_p.a

Comparison Rate¹

6.79^%per annum_p.a

Investment P&I. LVR above 90%^*

6.82^%per annum_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 more Apply now

A variable loan with offset

portrait-of-woman-hero

Complete Home Loan

5.54^%per annum_p.a

Investment P&I. LVR up to 60%^*

5.57^%per annum_p.a

Comparison Rate¹

5.59^%per annum_p.a

Investment P&I. LVR above 60% - 70%^*

5.62^%per annum_p.a

Comparison Rate¹

5.64^%per annum_p.a

Investment P&I. LVR above 70% - 80%^*

5.67^%per annum_p.a

Comparison Rate¹

6.24^%per annum_p.a

Investment P&I. LVR above 80% - 90%^*

6.27^%per annum_p.a

Comparison Rate¹

6.89^%per annum_p.a

Investment P&I. LVR above 90%^*

6.92^%per annum_p.a

Comparison Rate¹

100% variable offset²
Competitive variable rate
No ongoing or monthly fees

Learn more Apply now

A variable loan with multiple offsets

middleage-male-home-hero

Premier Package Home Loan

5.54^%per annum_p.a

Investment P&I. LVR up to 60%^*

5.92^%per annum_p.a

Comparison Rate¹

5.59^%per annum_p.a

Investment P&I. LVR above 60% - 70%^*

5.97^%per annum_p.a

Comparison Rate¹

5.64^%per annum_p.a

Investment P&I. LVR above 70% - 80%^*

6.02^%per annum_p.a

Comparison Rate¹

6.68^%per annum_p.a

Investment P&I. LVR above 80% - 90%^*

7.05^%per annum_p.a

Comparison Rate¹

7.28^%per annum_p.a

Investment P&I. LVR above 90%^*

7.64^%per annum_p.a

Comparison Rate¹

Up to 8 offset accounts²
Split your home loan into a variable and fixed option
$390 annual fee applies

Learn more Apply now

Certainty of a fixed rate

couple-unpacking-and-playing-with-dog-in-bright-living-room

Premier Package Home Loan

5.69^%per annum_p.a

Investment P&I. LVR up to 80%. 1 year fixed^*

6.03^%per annum_p.a

Comparison Rate¹

5.79^%per annum_p.a

Investment P&I. LVR up to 80%. 2 years fixed^*

6.05^%per annum_p.a

Comparison Rate¹

5.89^%per annum_p.a

Investment P&I. LVR up to 80%. 3 years fixed^*

6.09^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Investment P&I. LVR up to 80%. 4 years fixed^*

6.13^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Investment P&I. LVR up to 80%. 5 years fixed^*

6.15^%per annum_p.a

Comparison Rate¹

6.24^%per annum_p.a

Investment P&I. LVR above 80% - 90%. 1 year fixed^*

7.00^%per annum_p.a

Comparison Rate¹

6.29^%per annum_p.a

Investment P&I. LVR above 80% - 90%. 2 years fixed^*

6.97^%per annum_p.a

Comparison Rate¹

6.49^%per annum_p.a

Investment P&I. LVR above 80% - 90%. 3 years fixed^*

6.99^%per annum_p.a

Comparison Rate¹

6.70^%per annum_p.a

Investment P&I. LVR above 80% - 90%. 4 years fixed^*

7.05^%per annum_p.a

Comparison Rate¹

6.70^%per annum_p.a

Investment P&I. LVR above 80% - 90%. 5 years fixed^*

7.05^%per annum_p.a

Comparison Rate¹

6.24^%per annum_p.a

Investment P&I. LVR above 90%. 1 year fixed^*

7.53^%per annum_p.a

Comparison Rate¹

6.29^%per annum_p.a

Investment P&I. LVR above 90%. 2 years fixed^*

7.43^%per annum_p.a

Comparison Rate¹

6.49^%per annum_p.a

Investment P&I. LVR above 90%. 3 years fixed^*

7.40^%per annum_p.a

Comparison Rate¹

6.70^%per annum_p.a

Investment P&I. LVR above 90%. 4 years fixed^*

7.42^%per annum_p.a

Comparison Rate¹

6.70^%per annum_p.a

Investment P&I. LVR above 90%. 5 years fixed^*

7.38^%per annum_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

Learn more Apply now

Our lowest variable rate

male-indoors-home-kitchen

Basic Home Loan

5.69^%per annum_p.a

Investment interest only. LVR up to 60%^*

5.58^%per annum_p.a

Comparison Rate¹

5.74^%per annum_p.a

Investment interest only. LVR above 60% - 70%^*

5.63^%per annum_p.a

Comparison Rate¹

5.79^%per annum_p.a

Investment interest only. LVR above 70% - 80%^*

5.68^%per annum_p.a

Comparison Rate¹

6.39^%per annum_p.a

Investment interest only. LVR above 80% - 90%^*

6.28^%per annum_p.a

Comparison Rate¹

7.04^%per annum_p.a

Investment interest only. LVR above 90%^*

6.94^%per annum_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 more Apply now

A variable loan with offset

portrait-of-woman-hero

Complete Home Loan

5.79^%per annum_p.a

Investment interest only. LVR up to 60%^*

5.68^%per annum_p.a

Comparison Rate¹

5.84^%per annum_p.a

Investment interest only. LVR above 60% - 70%^*

5.73^%per annum_p.a

Comparison Rate¹

5.89^%per annum_p.a

Investment interest only. LVR above 70% - 80%^*

5.78^%per annum_p.a

Comparison Rate¹

6.49^%per annum_p.a

Investment interest only. LVR above 80% - 90%^*

6.38^%per annum_p.a

Comparison Rate¹

7.14^%per annum_p.a

Investment interest only. LVR above 90%^*

7.04^%per annum_p.a

Comparison Rate¹

100% variable offset²
Competitive variable rate
No ongoing or monthly fees

Learn more Apply now

A variable loan with multiple offsets

middleage-male-home-hero

Premier Package Home Loan

5.79^%per annum_p.a

Investment interest only. LVR up to 60%^*

6.03^%per annum_p.a

Comparison Rate¹

5.84^%per annum_p.a

Investment interest only. LVR above 60% - 70%^*

6.05^%per annum_p.a

Comparison Rate¹

5.89^%per annum_p.a

Investment interest only. LVR above 70% - 80%^*

6.13^%per annum_p.a

Comparison Rate¹

6.93^%per annum_p.a

Investment interest only. LVR above 80% - 90%^*

7.16^%per annum_p.a

Comparison Rate¹

7.53^%per annum_p.a

Investment interest only. LVR above 90%^*

7.75^%per annum_p.a

Comparison Rate¹

Up to 8 offset accounts²
Split your home loan into a variable and fixed option
$390 annual fee applies

Learn more Apply now

Certainty of a fixed rate

couple-unpacking-and-playing-with-dog-in-bright-living-room

Premier Package Home Loan

5.84^%per annum_p.a

Investment interest only. LVR up to 80%. 1 year fixed^*

6.04^%per annum_p.a

Comparison Rate¹

5.94^%per annum_p.a

Investment interest only. LVR up to 80%. 2 years fixed^*

6.08^%per annum_p.a

Comparison Rate¹

6.04^%per annum_p.a

Investment interest only. LVR up to 80%. 3 years fixed^*

6.13^%per annum_p.a

Comparison Rate¹

6.09^%per annum_p.a

Investment interest only. LVR up to 80%. 4 years fixed^*

6.18^%per annum_p.a

Comparison Rate¹

6.09^%per annum_p.a

Investment interest only. LVR up to 80%. 5 years fixed^*

6.22^%per annum_p.a

Comparison Rate¹

6.39^%per annum_p.a

Investment interest only. LVR above 80%. 1 year fixed^*

7.02^%per annum_p.a

Comparison Rate¹

6.44^%per annum_p.a

Investment interest only. LVR above 80%. 2 years fixed^*

7.00^%per annum_p.a

Comparison Rate¹

6.64^%per annum_p.a

Investment interest only. LVR above 80%. 3 years fixed^*

7.03^%per annum_p.a

Comparison Rate¹

6.85^%per annum_p.a

Investment interest only. LVR above 80%. 4 years fixed^*

7.11^%per annum_p.a

Comparison Rate¹

6.85^%per annum_p.a

Investment interest only. LVR above 80%. 5 years fixed^*

7.12^%per annum_p.a

Comparison Rate¹

Make extra repayments and redraw without a fee⁴
$390 annual fee applies

Learn more Apply now

Home loan calculators

Explore our range of calculators, designed to help you estimate loan repayments, compare home loan products and manage your money effectively.

Loan repayments calculator

See what your repayments could be and how to pay off your loan faster.

Calculate loan repayments.

house-dollar-sign

Borrowing power calculator

Work out how much you can expect to borrow based on your current salary and financial commitments.

Calculate borrowing power.

Loan comparison calculator

Compare two loans side by side and see which one could save you more.

Stamp duty calculator

Determine the associated costs of buying a property, such as stamp duty and Government fees, specific to your state or territory.

Estimate stamp duty.

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1300 654 822
BSB 704-191

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The information provided on this website does not take into account your objectives, financial situation or needs. Therefore, you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or the relevant Product Disclosure Statement (PDS) before acquiring a product. These documents are available at our branches or by contacting us on 1300 654 822.