St Vincent's exclusive offers
We're here to show up for you in the moments that matter
Buying your first home. A car to get you to your first shift. A first big move, a new chapter. Or, when you decide you want a better handle on your money, without it becoming another job.
Product offers
Up to 0.15% off home loans²
- 0.15% p.a. discount off our variable interest rates on our Basic, Complete and Premier Package Home Loan²
- 0.10% p.a. discount off our Complete fixed rates²
- Get into your home sooner with the Australian Government 5% Deposit Scheme or Lenders Mortgage Insurance waiver for Partners³
Car Loan offers
- No monthly fees
- Competitive rates
- Flexible repayments
- $0 loan establishment fee⁴
Term Deposits
- No upfront fees
- Flexible terms
- Fixed return on your investments
First home buyer checklist
Home loan discounts and waived LMI
By reducing or waiving Lenders Mortgage Insurance (LMI) and securing a discount on your interest rate, you’re freeing up more money for day-to-day life, or perhaps putting it towards your next goal.
Impact beyond banking
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Interest Rates effective 5 February 2026.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
*Interest rates apply to new lending only.
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. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Fees and charges apply. Terms and conditions available upon request.
Terms and Conditions – Home Loan Discounts
Conditions, Fees and Charges and Credit Criteria apply.
Offer is available via Bank First’s direct channel only. Not available in conjunction with any other offer. Bank First reserves the right to amend or withdraw this offer at any time.
2. The Partner Offer is a discount off the standard advertised home loan interest rate and is available to any new or existing Owner Occupied Principal and Interest loans, Investment Principal and Interest; or Investment Interest Only loans. You must contact Bank First for the offer to be applied to your home loan. Applicant eligibility must be demonstrated via payslips and if there are multiple applicants to the loan, only one applicant needs to be employed by a Bank First partner. Available to full-time, part-time, contracting or casual employees. Applicants salary must be credited into a Bank First transaction account.
Discount is available for the life of the loan unless variations are made to the loan. Variations include product switches, repayment type changes (eg. interest only to principal and interest), interest rate type changes (eg. variable interest rate to fixed interest rate). If a variation occurs, the member must advise Bank First to re-apply the discount and at this point the member must still be employed by a Bank First partner to be eligible.
To qualify for these offers you must be an employee of a Bank First Partner and the promotional code "STVINCENTS" must be quoted at time of customer application.
3. Lenders Mortgage Insurance waived for a loan-to-value ratio up to 90%. Available for First Home Buyer Owner Occupier loans and to applicants employed within the Education and/or Healthcare sectors. Excludes equity release with refinanced loans, off-the-plan and Construction Loans. Postcode lending restrictions may apply. Credit criteria applies.
Terms and Conditions – Car Loan Offers
Interest Rates effective 5 February 2026.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
4. To qualify for these offers you must be an employee of a Bank First Partner and the promotional code "STVINCENTS" must be quoted at time of customer application.
Terms and Conditions – Term Deposits
Deposits are protected by the Australian Government’s Financial Claims Scheme (FCS), which guarantees up to $250,000 per account.
Interest Rates effective 5 February 2026.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
5. Subject to our Terms and Conditions, a Term Deposit interest rate reduction applies on early withdrawals, with interest paid at the reduced rate from the date of deposit to the day prior to withdrawal. Where the withdrawal reduces the 'Fixed Term Deposit' balance to an amount that attracts a lesser rate, that lesser rate shall apply for the remainder of the term. Part withdrawals are not permitted on the Interest First Term Deposit product.
6. These rates are for retail customers only and limits may apply.