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Visa Platinum Credit Card

Low rate, easy repayment options and complimentary overseas travel insurance.

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Everyday account

No account-keeping fees and easy access to your funds 24/7 with the Bank First App.

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Home buyer help

An award winning alternative to help home buyers own their own home. 

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Important Information
Home Loan Interest Rates effective 23 August 2019.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. Only available for loans $250,000 or more.
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. Not available during fixed interest rate period. When you link a transaction account to an offset facility, you earn no interest under the transaction account even if the balance of the transaction account exceeds the loan balance. 
3. Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Premier Package Home Loan holders where approval conditions are met. These conditions include applicants to be employed in the Education and Healthcare sectors, owner occupied only, no equity release with refinanced loans, no off the plan or construction loans, standard security types, some postcode restrictions apply. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers.
4. Some ATM providers may charge a fee. 
5. Applicants who decide not to proceed with the loan may incur establishment fees.
6. An Administration Fee applies to home loans for the purpose of construction. Refer Terms & Conditions Part B Fees & Charges.
7. 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.