Home Loans

Note: $50,000 minimum loan amount for fixed rates.
Home Loan Interest Rates effective 2 November 2018.
  • Owner Occupied
    Variable Interest Rates
    LVR of 80% or Less 1,2 LVR greater than 80% 1,2
    Interest Rate (p.a) Comparison Rate (p.a) 1,2 First Home Buyer Comparison Rate (p.a) 1,2 Interest Rate (p.a) Comparison Rate (p.a) First Home Buyer Comparison Rate (p.a)
    First Rate Home Loan 3.64% p.a. 3.69% p.a. 3.64% p.a. 3.84% p.a. 3.89% p.a. 3.85% p.a.
    Premier Package Home Loan 3.89% p.a. 4.26% p.a. 4.24% p.a. 4.09% p.a. 4.46% p.a. 4.44% p.a.
    Complete Home Loan 3.99% p.a. 4.04% p.a. 4.00% p.a. 4.19% p.a. 4.24% p.a. 4.20% p.a.
    Standard Home Loan 4.69% p.a. 4.74% p.a. 4.70% p.a. 4.89% p.a. 4.94% p.a. 4.90% p.a.
    Equity Line of Credit Home Loan 5.14% p.a. N/A


    Fixed Interest Rates3
    Interest Rates Interest Rate (p.a) Comparison Rate (p.a.)1,2 LVR less than 80% Comparison Rate (p.a.)1,2 LVR greater than 80%
    Premier Package Home Loan
    1 Year Fixed 3.89% p.a. 4.26% p.a. 4.44% p.a.
    2 Year Fixed 3.89% p.a. 4.26% p.a. 4.42% p.a.
    3 Year Fixed 3.99% p.a. 4.29% p.a. 4.43% p.a.
    4 Year Fixed 4.54% p.a. 4.48% p.a. 4.61% p.a.
    5 Year Fixed 4.54% p.a. 4.53% p.a. 4.64% p.a.
    Complete Home Loan
    1 Year Fixed 3.99% p.a. 4.04% p.a. 4.22% p.a.
    2 Year Fixed 3.99% p.a. 4.04% p.a. 4.20% p.a.
    3 Year Fixed 4.09% p.a. 4.06% p.a. 4.21% p.a.
    4 Year Fixed 4.64% p.a. 4.26% p.a. 4.39% p.a.
    5 Year Fixed 4.64% p.a. 4.30% p.a. 4.42% p.a.
    Standard Home Loan
    1 Year Fixed 3.99% p.a. 4.67% p.a. 4.85% p.a.
    2 Year Fixed 3.99% p.a. 4.61% p.a. 4.77% p.a.
    3 Year Fixed 4.09% p.a. 4.58% p.a. 4.72% p.a.
    4 Year Fixed 4.64% p.a. 4.72% p.a. 4.85% p.a.
    5 Year Fixed 4.64% p.a. 4.72% p.a. 4.83% p.a.
  • Investment Rates
    Investment Home Loan
    LVR of 80% or Less 1,2 LVR greater than 80% 1,2
    Interest Rate (p.a) Comparison Rate (p.a) 1,2 First Home Buyer Comparison Rate (p.a) 1,2 Interest Rate (p.a) Comparison Rate (p.a) First Home Buyer Comparison Rate (p.a)
    Premier Package Home Loan 4.39% p.a. 4.75% p.a. N/A 4.59% p.a. 4.95% p.a. N/A
    Complete Home Loan 4.49% p.a. 4.54% p.a. N/A 4.69% p.a. 4.74% p.a. N/A
    Standard Home Loan 5.19% p.a. 5.24% p.a. N/A 5.39% p.a. 5.44% p.a. N/A
    Equity Line of Credit Home Loan 5.29% p.a. N/A


    Fixed Interest Rates3
    Interest Rates Interest Rate (p.a) Comparison Rate (p.a.)1,2 LVR less than 80% Comparison Rate (p.a.)1,2 LVR greater than 80%
    Premier Home Loan Package
    1 Year Fixed 4.24% p.a. 4.74% p.a. 4.91% p.a.
    2 Year Fixed 4.24% p.a. 4.72% p.a. 4.88% p.a.
    3 Year Fixed 4.29% p.a. 4.72% p.a. 4.87% p.a.
    4 Year Fixed 4.84% p.a. 4.91% p.a. 5.03% p.a.
    5 Year Fixed 4.84% p.a. 4.94% p.a. 5.05% p.a.
    Complete Home Loan
    1 Year Fixed 4.34% p.a. 4.52% p.a. 4.70% p.a.
    2 Year Fixed 4.34% p.a. 4.51% p.a. 4.67% p.a.
    3 Year Fixed 4.39% p.a. 4.51% p.a. 4.66% p.a.
    4 Year Fixed 4.94% p.a. 4.69% p.a. 4.82% p.a.
    5 Year Fixed 4.94% p.a. 4.72% p.a. 4.84% p.a.
    Standard Home Loan
    1 Year Fixed 4.34% p.a. 5.15% p.a. 5.33% p.a.
    2 Year Fixed 4.34% p.a. 5.08% p.a. 5.24% p.a.
    3 Year Fixed 4.39% p.a. 5.02% p.a. 5.17% p.a.
    4 Year Fixed 4.94% p.a. 5.15% p.a. 5.28% p.a.
    5 Year Fixed 4.94% p.a. 5.13% p.a. 5.25% p.a.

Car Loans

Car Loan Interest Rates effective 2 November 2018.
  • Variable Interest Rates
    Variable Interest Rates
    Interest Rates Interest Rate (p.a) Comparison Rate (p.a.)2 Promotional Interest Rate (p.a)8 Promotional Comparison Rate (p.a.)2,8
    New Car Loan (L35) 8.79% p.a. 9.00% p.a.6 5.79% p.a. 6.00% p.a.6
    Used Car Loan (L32) 9.79% p.a. 10.83% p.a.5 6.79% p.a. 7.81% p.a.5
    Green Car Loan (L26) 8.29% p.a. 8.50% p.a.6 5.29% p.a. 5.50% p.a.6
  • Fixed Interest Rates
    Fixed Interest Rates
    Interest Rates Interest Rate (p.a)7 Comparison Rate (p.a.)2 Promotional Interest Rate (p.a)8 Promotional Comparison Rate (p.a.)2,8
    New Car Loan
    1 Year Fixed 8.79% p.a. 9.00% p.a.6 5.79% p.a. 7.88% p.a.6
    2 Year Fixed 8.79% p.a. 9.00% p.a.6 5.79% p.a. 7.04% p.a.6
    3 Year Fixed 8.79% p.a. 9.00% p.a.6 5.79% p.a. 6.46% p.a.6
    4 Year Fixed 8.79% p.a. 9.00% p.a.6 5.79% p.a. 6.12% p.a.6
    5 Year Fixed 8.79% p.a. 9.00% p.a.6 5.79% p.a. 6.00% p.a.6
    Used Car Loan
    1 Year Fixed 9.79% p.a. 10.83% p.a.5 6.79% p.a. 9.13% p.a.5
    2 Year Fixed 9.79% p.a. 10.83% p.a.5 6.79% p.a. 8.15% p.a.5
    3 Year Fixed 9.79% p.a. 10.83% p.a.5 6.79% p.a. 7.81% p.a.5
    4 Year Fixed 9.79% p.a. 10.83% p.a.5 6.79% p.a. 7.81% p.a.5
    5 Year Fixed 9.79% p.a. 10.83% p.a.5 6.79% p.a. 7.81% p.a.5
    Green Car Loan
    1 Year Fixed 8.29% p.a. 8.50% p.a.6 5.29% p.a. 7.38% p.a.6
    2 Year Fixed 8.29% p.a. 8.50% p.a.6 5.29% p.a. 6.54% p.a.6
    3 Year Fixed 8.29% p.a. 8.50% p.a.6 5.29% p.a. 5.96% p.a.6
    4 Year Fixed 8.29% p.a. 8.50% p.a.6 5.29% p.a. 5.62% p.a.6
    5 Year Fixed 8.29% p.a. 8.50% p.a.6 5.29% p.a. 5.50% p.a.6

Personal Loans

Interest Rates effective 2 November 2018.
  • Variable Rates
    Variable Interest Rates
    Interest Rates Interest Rate (p.a) Comparison Rate (p.a.)2
    Personal Loan 11.74% p.a. 12.79% p.a.4
    Green Personal Loan 9.35% p.a. 10.39% p.a.4
    Share Loan 10.25% p.a. 11.29% p.a.4
    Overdraft 13.19% p.a. N/A
  • Fixed Rates
    Fixed Interest Rates (p.a.)7
    Interest Rates Interest Rate (p.a) Comparison Rate (p.a.)2
    Share Loan
    1 Year Fixed 10.25% p.a. 11.29% p.a.4
    2 Year Fixed 10.25% p.a. 11.29% p.a.4
    3 Year Fixed 10.25% p.a. 11.29% p.a.4
    4 Year Fixed 10.25% p.a. 11.29% p.a.4
    5 Year Fixed 10.25% p.a. 11.29% p.a.4
    Personal Loan
    One Year Fixed 11.74% p.a. 12.79% p.a.4
    Two Year Fixed 11.74% p.a. 12.79% p.a.4
    Three Year Fixed 11.74% p.a. 12.79% p.a.4
    Four Year Fixed 11.74% p.a. 12.79% p.a.4
    Five Year Fixed 11.74% p.a. 12.79% p.a.4
    Green Personal Loan
    One Year Fixed 9.35% p.a. 10.39% p.a.4
    Two Year Fixed 9.35% p.a. 10.39% p.a.4
    Three Year Fixed 9.35% p.a. 10.39% p.a.4
    Four Year Fixed 9.35% p.a. 10.39% p.a.4
    Five Year Fixed 9.35% p.a. 10.39% p.a.4

Credit Cards

Credit Card Interest Rates effective 2 November 2018.
  • Interest Rates
    Variable Interest Rates
    Interest Rates Purchase Variable Rate Balance Transfer Variable Rate Cash Advance Variable Rate
    Visa Platinum Credit Card (S6) 9.99% p.a. 9.99% p.a. 19.99% p.a.
    Visa Classic Credit Card (S7) 12.94% p.a. 12.94% p.a. 12.94% p.a.
Important Information
Interest is calculated daily. Interest rates are per annum, current at the time of publication and are subject to change without notice.
1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years.
2. 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 are available on request.
3. Rates are indicative only. Fixed Rates are fixed at the date of funding or may be fixed at the date of application by paying a fixed rate lock fee. Conditions apply.
4. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years.
5. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years.
6. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years.
7. Rates are indicative only. Fixed rates are fixed at the date of funding.
Bank First may charge a fee for these services and facilities. Refer to the Fees and Charges brochure, available on request. Full terms and conditions available on request
8. Promotional interest rates available for car loan applications received between 30 June 2018 - 30 June 2019 and funded by 31 July 2019. The 3% discount is off the standard car loan rate. We reserve the right to amend or withdraw these offers at any time.