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BSB 704-191
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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.

Speak with a Mobile Banker

Our home loans can support you through each life stage

Our lowest variable rate
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Basic Home Loan

6.09%p.a
Owner Occupied P&I. LVR less than 60%
6.12%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
A variable loan with offset
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Complete Home Loan

6.19%p.a
Owner Occupied P&I. LVR less than 60%
6.22%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
A variable loan with multiple offsets
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Premier Package Home Loan

6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate6
7.00%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • Enjoy discounts on other products
Lenders Mortgage Insurance
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Supporting Teachers and Healthcare workers through a reduced deposit

  • We're here for those who care for the community.
  • Teachers and Healthcare workers can benefit from a reduced deposit of 10% without having to pay Lenders Mortgage Insurance.⁴
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A variable loan with offset
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Complete Home Loan

6.19%p.a
Owner Occupied P&I. LVR less than 60%
6.22%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Certainty of a fixed rate
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Premier Package Home Loan

6.09%p.a
Owner Occupied P&I. LVR less than 80%. 1 year fixed
7.03%p.a
Comparison Rate1
  • Lock in repayment certainty with a 1 to 5 year fixed rate term
  • Make extra repayments and redraw without a fee⁵
  • $390 annual fee applies
A variable loan with multiple offsets
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Premier Package Home Loan

6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate6
7.00%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • Enjoy discounts on other products
Our lowest variable rate
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Basic Home Loan

6.09%p.a
Owner Occupied P&I. LVR less than 60%
6.12%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
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First Home Guarantee
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Supporting First Home Buyers through a reduced deposit

  • We’re proud to be a provider of the First Home Guarantee
  • Eligible first home buyers can have as little as a 5% deposit towards their home without paying Lenders Mortgage Insurance
Our lowest variable rate
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Basic Home Loan

6.09%p.a
Owner Occupied P&I. LVR less than 60%
6.12%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
A variable loan with offset
young-female-trendy-edgy-purplehair-hero

Complete Home Loan

6.19%p.a
Owner Occupied P&I. LVR less than 60%
6.22%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Helping you save for your first home
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First Home Bonus Saver

4.60%p.a
Bonus interest rate3
0.05%p.a
Base interest rate
  • Receive bonus interest each month you deposit at least $100 and make no withdrawals
  • Get $600 cashback if you take out a home loan and hold a First Home Bonus Saver account³
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Our lowest variable rate
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Basic Home Loan

6.34%p.a
Investment P&I. LVR less than 60%
6.37%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁵
  • No ongoing or monthly fees
A variable loan with offset
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Complete Home Loan

6.44%p.a
Investment P&I. LVR less than 60%
6.47%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
A variable loan with multiple offsets
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Premier Package Home Loan

6.51%p.a
Investment P&I. LVR less than 80%. 3 years introductory rate6
7.20%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Certainty of a fixed rate
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Premier Package Home Loan

6.29%p.a
Investment P&I. LVR less than 80%. 1 year fixed
7.27%p.a
Comparison Rate1
  • Lock in repayment certainty with a 1 to 5 year fixed rate term
  • Make extra repayments and redraw without a fee⁵
  • $390 annual fee applies
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Important Information

Home Loan Interest Rates effective 10 May 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. 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 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.
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.