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Buying a property is a journey. Whether it’s your first purchase, a life-changing move or a long-term investment, the journey is never the same. Its uniqueness creates a memory that will last forever. Your journey isn’t one you should take alone. We understand each buyer is different and so is each home. That’s why we have home loans to suit every type of situation, for every type of buyer. Take the first step in your property journey with Bank First. We’re here to help.

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Premier Package Home Loan

2.99% p.a.

2 year discounted fixed rate. Owner occupied. LVR of 80% or less2

3.93% p.a.

Comparison rate1

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Complete Home Loan

3.86% p.a.

Variable interest rate owner occupied loans with an LVR of 80% or less

3.91% p.a.

Comparison rate1

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First Rate Home Loan

3.39% p.a.

Variable interest rate owner occupied loans with an LVR of 80% or less

3.44% p.a.

Comparison rate1

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First Home Buyers' Package

We understand this is a big life event and we’re here to make it as easy as possible.

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Standard Home Loan

4.27% p.a.

Variable interest rate owner occupied loans with an LVR of 80% or less

4.32% p.a.

Comparison rate1

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Equity Line of Credit

4.84% p.a.

Variable interest rate owner occupied

4.99% p.a.

Variable interest rate investment

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Home First Refinance Tool

Refinance your Home Loan and save

Our online calculator is fast and easy. Find out how much you could save by switching to Bank First

Learn more

How Your Family Can Help

Getting a foot on the property ladder is increasingly difficult for first home buyers, and many look to help from their families to pull together a deposit sooner. There are many options available, including our innovative First Start, a Shared Equity Agreement (SEA), which allows someone to contribute money towards a home, in return for shared equity in the property.

Find out more
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Mobile Bankers

Our Mobile Bankers are here to guide you through the buying process from application to settlement. We’ll review your unique circumstances and recommend the home loan that best suits your needs.

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We're here to help

Buying a home is a journey you shouldn’t go through alone. Our lending specialists are here to provide help for teachers buying homes and anyone else in the property market.

We'll guide you through the buying process from application to settlement and review your unique circumstances to recommend the best loan for your needs.

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1300 654 822
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Compare our home loans

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We're here to help

Our Mobile Lenders can visit you at home or work at a time that is suitable for you.

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Important Information
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. Discounted Fixed Rate offer available for new loans only. Applications received from 23 August – 29 November 2019 and funded by 14 January 2020. Credit criteria applies. Minimum loan amount $250,000 and only available to owner occupied loans with LVR of 80% or less. To be eligible for the discounted rate you must receive a minimum of 2 months’ full income into your Bank First Everyday account as a salary credit and spend a minimum of $1000 using your Bank First card(s) within 3 months of the loan settlement date. If these criteria are not met, the standard 2 Year Fixed interest rate which was disclosed in your loan agreement will apply (standard rate currently 3.34% p.a.). Warning: This standard 2 Year Fixed rate that your loan is converted to may be higher than the standard 2 Year Fixed interest rate available on the day your loan is converted. Not available in conjunction with any other offer. Premier Package annual fee of $350 applies. Offer is only available until the promotions allocated funds have been used and therefore this offer may be withdrawn early.