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First Rate

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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.

All displayed interest rates are for Owner Occupied loans only. Investment rates available by clicking here

4.25% pa1 
Owner Occupied
Variable Rate

4.31% pa2 
Comparison rate

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Key Features & Benefits

Maximum loan period 30 years
Minimum loan amount $30,000
Repayment options Weekly, fortnightly or month
Account keeping or service fees $0
Establishment fee $953
Legal fee At cost+
Valuation fee At cost+
Unlimited redraw facility Yes
Additional repayment accepted Yes
Switch to fixed rate Available - fee applies
Repayment holiday Available - conditions apply

+ Other fees and charges may apply and will be specified at the time the loan is approved.


Additional Information

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.