First Rate
A Home Loan With No-Fuss
The First Rate home loan is our standard variable interest rate loan that gives you flexible repayment options, no monthly account keeping fees and more. This loan type is available for Owner Occupied or Investment home loans.
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NO monthly account keeping fees
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UNLIMITED redraw facility available
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FLEXIBLE repayment options at no extra cost
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NO early repayment penalties
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85% LVR now available to First Home Buyers
Also, check out our First Rate Special home loan.
From
4.25% pa1 Owner Occupied
Variable Rate
4.31% pa2
Comparison rate
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All displayed interest rates for Owner Occupied loans only. Investment rates available by clicking here
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| First Rate Home Loan - Owner Occupied |
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| Interest Rates | | Variable Interest Rate | 4.25% pa | | Comparison Rate | 4.31% pa | | Fees | | Establishment Fee | $953 | | Legal Fees | At cost | | Valuation Fees | At cost | | Features | | Maximum Amount | 90% of the property value | | Redraw Facility | Yes | | Offset Account | No | | Additional Repayments Accepted | Yes | | Additional Repayments Fee | $0 | | Loan period | Up to 30 Years | | Repayments | Monthly, fortnightly, weekly | | Interest charges | Calculated daily, charged monthly | | Top up facility available | Min $10,000 | | FREE monthly transactions | 13 | | Annual fee on Visa Credit Card | Yes | | Access to Premium Rate for personal loans | No | | Switching fee to Fixed Rate | Yes | | Bonus rate on Term Deposits | No | | Variable and lump sum repayments | Yes | | Early Repayment Fee | |
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Credit eligibility criteria, terms and conditions, fees and charges apply.
1. These rates are for secured loans only. Available for new home loan, refinances from competitors, top-ups and internal product switches. Minimum amount on new home loan is $30,000.
2. The comparison rate is calculated based on secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
