St Vincent's exclusive offers

Interest Rates effective 3 March 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 3 March 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 – Super Saver

Interest Rates effective 3 March 2026.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.

The Super Saver account is intended for employees of approved Bank First partners. Bank First does not verify employment as a condition of eligibility. The approved partners are determined by Bank First and may vary from time to time.

Deposits are protected by the Australian Government’s Financial Claims Scheme (FCS), which guarantees up to a copy of $250,000 per account holder deposit.

Bank First may, at its discretion, vary, suspend or discontinue offering the Super Saver account to new applicants at any time. Any changes affecting existing accountholders will be subject to applicable terms, conditions and notice requirements.

5. Other fees and charges may apply.

6. Bonus interest additional to the base rate is earned when the Super Saver account net balance increases by a minimum of $100 (excluding interest earned) per month and the account balance does not exceed $149,999.99. Net balance growth must occur before close of business on the last business day of the month. Bonus interest will not be paid if the funds are received late due to processing times. When the balance reaches $150,000 and over or when the bonus interest criteria has not been met, the base rate will be applied to the entire balance.

7. Transfers from the Super Saver account are limited to a linked Everyday Transaction account. The linked Everyday Transaction account needs to be in the same name/s as the Super Saver account. Limit of 3 Super Saver accounts per account holder.

8. A valid promotion code SUPER-STV must be entered at the time of application. Applications submitted without a valid promotion code will not be accepted.