Home Loans

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  • Refinance
  • Build or renovate
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  • Buy my first home

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

2.15% p.a.

Introductory variable rate2
Owner occ. LVR 80% or less.

2.81% p.a.

Comparison rate1

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Complete Home Loan

3.21% p.a.

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

3.26% p.a.

Comparison rate1

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First Rate Home Loan

2.84% p.a.

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

2.89% 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

3.57% p.a.

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

3.62% p.a.

Comparison rate1

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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

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Home First Refinance Tool
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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

How to apply

Our lending specialists are here to help teachers, educators and healthcare workers, and any customers in the market to buy a new home.

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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Apply online

Ready to apply or want a conditional pre-approval? It only takes 10 minutes to get started online.

Apply now
Call us

Call us

Speak with a home loan specialist and apply over the phone.


1300 654 822

Already a customer and looking to switch your loan?

Switching lets you change the loan product or type of your existing home loan or investment loan without having to complete a new loan application. Complete a  Switch Request Form Online to speak to a lending specialist and explore your options.  

Switch Request Form

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Important Information
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. Fees and charges apply. Terms and conditions available upon request. 
2. New apps received 1 Sep 2021 to 31 Mar 2022, funded by 30 Jun 2022. Not available to existing Bank First owner occupied or investment home loan customers. Min loan $200k, max loan $2m, interest only not available. 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 off the standard Premier Package variable rate for three years after which it will revert to the standard Premier Package variable rate. Not available in conjunction with any other offer. Bank First reserves the right to amend or withdraw this offer at any time.