Refinance your home loan

How much could refinancing save you?

First Rate Home Loan

2.84 % p.a.

Variable interest rate

2.89 % p.a.

Comparison rate1

  • Owner occupied
  • Loans with an LVR of 80% or less
  • Free redraw

First Rate Home Loan

2.84 % p.a.

Variable interest rate

2.89 % p.a.

Comparison rate1

  • Owner occupied
  • Loans with an LVR of 80% or less
  • Free redraw

Have you ever wondered how much you could save by refinancing your home loan? As a customer owned bank, our home loans are tailored to offer great value and low rates, with flexible repayment options to help you pay off your loan sooner.

Switch & Save

Looking for a better deal on your home loan? Find out how much you could save in minutes, by using our quick and easy switching calculator.

Learn more
Home First Refinance Tool

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

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.


Apply Online

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

Apply now

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?


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 1 July 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.