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Home Loans

Whether it's your first purchase, a life-changing move or a long-term investment, we have a range of home loans to suit your needs.

Enquire now
Speak with a Mobile Banker

Our Mobile Bankers are here to help you at home or work, over the phone or at our branches.

Book an appointmentCall 1300 654 822

Compare our range of home loans

 

 
75.0%
Save another %val% and your variable rates could improve with a lower LVR.
50-60%
60-80%
80-90%
> 90%
Save another %val% and your variable rates could improve with a lower LVR.
Our lowest variable rate
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Basic Home Loan

6.04%p.a
Owner Occupied P&I. LVR up to 60%*
6.07%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 60% - 80%*
6.22%p.a
Comparison Rate1
6.49%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.52%p.a
Comparison Rate1
6.99%p.a
Owner Occupied P&I. LVR above 90%*
7.02%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

6.14%p.a
Owner Occupied P&I. LVR up to 60%*
6.17%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 60% - 80%*
6.32%p.a
Comparison Rate1
6.59%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.62%p.a
Comparison Rate1
7.09%p.a
Owner Occupied P&I. LVR above 90%*
7.12%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

6.43%p.a
Owner Occupied P&I. LVR up to 60%. Variable interest rate*
6.80%p.a
Comparison Rate1
6.68%p.a
Owner Occupied P&I. LVR above 60% - 80%*
7.05%p.a
Comparison Rate1
6.93%p.a
Owner Occupied P&I. LVR above 80% - 90%*
7.29%p.a
Comparison Rate1
7.48%p.a
Owner Occupied P&I. LVR above 90%*
7.83%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 moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

6.09%p.a
Owner Occupied P&I. LVR up to 80%. 1 year fixed*
6.98%p.a
Comparison Rate1
6.09%p.a
Owner Occupied P&I. LVR up to 80%. 2 years fixed*
6.93%p.a
Comparison Rate1
6.09%p.a
Owner Occupied P&I. LVR up to 80%. 3 years fixed*
6.88%p.a
Comparison Rate1
6.45%p.a
Owner Occupied P&I. LVR up to 80%. 4 years fixed*
6.96%p.a
Comparison Rate1
6.45%p.a
Owner Occupied P&I. LVR up to 80%. 5 years fixed*
6.94%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed*
7.21%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed*
7.14%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed*
7.11%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed*
7.19%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed*
7.17%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 1 year fixed*
7.69%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 2 years fixed*
7.57%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%. 3 years fixed*
7.48%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 4 years fixed*
7.52%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 5 years fixed*
7.46%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁵
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

6.29%p.a
Investment P&I. LVR up to 60%*
6.32%p.a
Comparison Rate1
6.39%p.a
Investment P&I. LVR above 60% - 80%*
6.42%p.a
Comparison Rate1
6.89%p.a
Investment P&I. LVR above 80% - 90%*
6.92%p.a
Comparison Rate1
7.49%p.a
Investment P&I. LVR above 90%*
7.52%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

6.39%p.a
Investment P&I. LVR up to 60%*
6.42%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 60% - 80%*
6.52%p.a
Comparison Rate1
6.99%p.a
Investment P&I. LVR above 80% - 90%*
7.02%p.a
Comparison Rate1
7.59%p.a
Investment P&I. LVR above 90%*
7.63%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan
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Premier Package Home Loan

6.73%p.a
Investment P&I. LVR up to 60%*
7.09%p.a
Comparison Rate1
6.93%p.a
Investment P&I. LVR above 60% - 80%*
7.29%p.a
Comparison Rate1
7.43%p.a
Investment P&I. LVR above 80% - 90%*
7.79%p.a
Comparison Rate1
7.98%p.a
Investment P&I. LVR above 90%*
8.33%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

6.29%p.a
Investment P&I. LVR up to 80%. 1 year fixed*
7.22%p.a
Comparison Rate1
6.34%p.a
Investment P&I. LVR up to 80%. 2 years fixed*
7.17%p.a
Comparison Rate1
6.34%p.a
Investment P&I. LVR up to 80%. 3 years fixed*
7.12%p.a
Comparison Rate1
6.75%p.a
Investment P&I. LVR up to 80%. 4 years fixed*
7.22%p.a
Comparison Rate1
6.75%p.a
Investment P&I. LVR up to 80%. 5 years fixed*
7.21%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 80% - 90%. 1 year fixed*
7.68%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 80% - 90%. 2 years fixed*
7.60%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 80% - 90%. 3 years fixed*
7.55%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 4 years fixed*
7.64%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 5 years fixed*
7.61%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 90%. 1 year fixed*
8.16%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 90%. 2 years fixed*
8.03%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 90%. 3 years fixed*
7.93%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 4 years fixed*
7.97%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 5 years fixed*
7.90%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁵
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

6.54%p.a
Investment interest only. LVR up to 60%*
6.43%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 60% - 80%*
6.54%p.a
Comparison Rate1
7.14%p.a
Investment interest only. LVR above 80% - 90%*
7.04%p.a
Comparison Rate1
7.74%p.a
Investment interest only. LVR above 90%*
7.64%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

6.64%p.a
Investment interest only. LVR up to 60%*
6.54%p.a
Comparison Rate1
6.74%p.a
Investment interest only. LVR above 60% - 80%*
6.64%p.a
Comparison Rate1
7.24%p.a
Investment interest only. LVR above 80% - 90%*
7.14%p.a
Comparison Rate1
7.84%p.a
Investment interest only. LVR above 90%*
7.74%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

6.98%p.a
Investment interest only. LVR up to 60%*
7.21%p.a
Comparison Rate1
7.18%p.a
Investment interest only. LVR above 60% - 80%*
7.40%p.a
Comparison Rate1
7.68%p.a
Investment interest only. LVR above 80% - 90%*
7.90%p.a
Comparison Rate1
8.23%p.a
Investment interest only. LVR above 90%*
8.45%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

6.44%p.a
Investment interest only. LVR up to 80%. 1 year fixed*
7.24%p.a
Comparison Rate1
6.49%p.a
Investment interest only. LVR up to 80%. 2 years fixed*
7.20%p.a
Comparison Rate1
6.49%p.a
Investment interest only. LVR up to 80%. 3 years fixed*
7.16%p.a
Comparison Rate1
6.90%p.a
Investment interest only. LVR up to 80%. 4 years fixed*
7.28%p.a
Comparison Rate1
6.90%p.a
Investment interest only. LVR up to 80%. 5 years fixed*
7.28%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 80%. 1 year fixed*
7.70%p.a
Comparison Rate1
6.69%p.a
Investment interest only. LVR above 80%. 2 years fixed*
7.63%p.a
Comparison Rate1
6.79%p.a
Investment interest only. LVR above 80%. 3 years fixed*
7.60%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 4 years fixed*
7.70%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 5 years fixed*
7.68%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁵
  • $390 annual fee applies
Learn moreApply now
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Supporting Teachers and Healthcare workers

We've reduced the home loan deposit required for Teachers and Healthcare workers. This means you can now have a deposit of 10% and can borrow up to 90% of the property value without having to pay Lenders Mortgage Insurance4.

Speak to us

It's easy to get started

Ready to apply?Ready to apply?

Save time and apply online for a home loan or to refinance.

Apply now

Book an appointmentBook an appointment

Our Mobile Bankers can come to you at home, work, or virtually.

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Call usCall us

Call 1300 654 822. Monday - Friday between 9am and 6pm AEST.

Call 1300 654 822

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Important Information

Home Loan Interest Rates effective 26 September 2024.

*Interest rates apply to new lending only.

Credit criteria applies. 

  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.

  2. Offset accounts cannot be linked to fixed rate loans.

  3. Cash back will be paid when a new home loan is funded by Bank First and the account was held for a minimum of twelve months with a balance of $5,000 maintained over three consecutive months immediately prior to lodging a home loan application.

  4. Available for Owner Occupied loans only. Applicants need to be employed within the Education and/or Healthcare sectors and ineligible for any Government Schemes. Excludes loans being refinanced, off-the-plan and Construction Loans. Postcode lending restrictions may apply. Credit criteria applies.

  5. Minimum redraw is $500.

  6. Premier Package annual fee of $390 will be waived for the first year and charged annually thereafter. Rate includes a 0.33% p.a. discount for Owner Occupied loans and 0.47% p.a. discount for Investment loans off the standard Premier Package variable rate for three years, after which it will revert to the standard Premier Package variable rate. Not available to existing Bank First owner occupied or investment home loan customers. Min loan $200k, max loan $2m, LVR up to 80% and interest only not available. Not available in conjunction with any other offer. Bank First reserves the right to amend or withdraw this offer at any time.