Refinance your home loan

How much could refinancing save you?

Premier Package Home Loan

1.99 % p.a.

3 year fixed rate2

3.10 % p.a.

Comparison rate1

  • Owner occupied loans (LVR of 80% or less)
  • $390 annual fee
  • Free redraw

Premier Package Home Loan

1.99 % p.a.

3 year fixed rate2

3.10 % p.a.

Comparison rate1

  • Owner occupied loans (LVR of 80% or less)
  • $390 annual fee
  • Free redraw

As a customer owned bank, we understand that your home loan should be one less thing to worry about during uncertain times. Our home loans are tailored to offer great value and low rates, with flexible repayment options to help you pay off your loan sooner.

Refinance and receive up to $2000³.

Apply to refinance by 18 November 2020 and receive up to $2,0003 back in your pocket. Plus, in recognition of the ongoing dedication shown by Australia’s educators and healthcare professionals, we’re offering up to an additional $1,0003.

Enquire now
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How does refinancing work?



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Step 1

Calculate Savings
Find out how much you could save by switching to Bank First with our online calculator.

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Step 2

Apply
Applying is straightforward and easy. We'll be in touch within 3 business days to discuss your application and guide you through the process.

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Step 3

Approval & Settlement
Once approved, we'll finalise the switching process by providing you with a loan contract and if required, a request for additional information.

How to apply

Our lending specialists are here to help teachers, educators and healthcare workers, and any customers in the market to refinance.

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
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Mobile Banker

Our Mobile Bankers can visit you at home or work. Book a time with a Mobile Banker now. 

Get in touch
Call us

Call us

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


1300 654 822

Not ready to apply but simply wish to make an enquiry?

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Enquire now

Leave your details below and one of our consultants will be in touch.

 

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If you don't receive a confirmation email, please email or 1300 654 822

Important Information

Home Loan Interest Rates effective 23 September 2020.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. Refer to website for current rates.

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. Minimum loan amount $50,000 and only available to owner occupied loans with LVR of 80% or less. Premier Package annual fee of $390 applies.
3. Offers available to new and existing customers who apply direct to Bank First to refinance their existing home or investment loan from another credit provider to Bank First between 9 September – 18 November 2020 with the loan funded by 10 February 2021. Minimum loan amount $150,000. Cash back will be paid into your Bank First Everyday S1 account the month after the loan is funded. Credit Criteria applies. We reserve the right to amend or withdraw this offer at any time. Not available in conjunction with any other offer. Cash back amounts are tiered and based on loan amount and occupation type as follows: Education and healthcare professionals: $1,000 cash back for loans $150k-$250k, $1,500 cash back for loans $251k-$500k, $2,000 cash back for loans $501k-$750k and $3,000 cash back for loan amounts above $750k. To qualify for the education and healthcare offer, a minimum of 30% of the household income must come from one of the listed occupations – full list of eligible occupations is available below. All other occupations: $500 cash back for loans $150k-$250k, $750 cash back for loans $251k-$500k, $1000 cash back for loans $501k-$750k and $2000 cash back for loan amounts above $750k.Eligible Education & Healthcare occupations include: Education: Primary, Specialist, Secondary & Preschool Teachers. Education Support Officers including; primary, specialist, secondary and preschool office staff, Business Managers, teachers’ aides and technicians. School leadership teams including; Principals, Assistant Principals, Business Managers, and Leading Teachers. Tertiary sector employees including; Lecturers, researchers and administration staff. Allied Health: Aged and Disabled Carers, Health and Welfare Services Managers, Dieticians, Occupational Therapists and Environmental Health Professionals, Optometrists and Orthoptists, Pharmacists, Chiropractors, Osteopaths, Physiotherapists & Podiatrists, Speech Professionals and Audiologists, Medical Imaging Professionals, Counsellors/Psychologists, Diversional Therapists, Social/Welfare Workers & Professionals, Carers, Aides and Special Care Workers, Massage Therapists. Nursing: Nurse Educators and Researchers, Registered Nurses, Nurse Managers, Midwifery and Nursing Professionals , Midwives, Nursing Support and Personal Care Workers, Enrolled and Mothercraft Nurses. If you are an education or healthcare professional but your occupation is not listed, please contact us at lendingsupport@bankfirst.com.au.