BSB 704-191
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Manage my home loan

As your life and the market changes, your loan can change with you.

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Compare our range of home loans

 
75.0%
Save another %val% and your variable rates could improve with a lower LVR.
50-60%
60-70%
70-80%
80-90%
> 90%
Save another %val% and your variable rates could improve with a lower LVR.
Our lowest variable rate
Taking-care-of-business-with-a-cuppa-tea

Basic Home Loan

5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
5.29%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.32%p.a
Comparison Rate1
5.34%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.37%p.a
Comparison Rate1
5.84%p.a
Owner Occupied P&I. LVR above 80% - 90%*
5.87%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%*
6.32%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

5.34%p.a
Owner Occupied P&I. LVR up to 60%*
5.37%p.a
Comparison Rate1
5.39%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.42%p.a
Comparison Rate1
5.44%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.47%p.a
Comparison Rate1
5.94%p.a
Owner Occupied P&I. LVR above 80% - 90%*
5.97%p.a
Comparison Rate1
6.39%p.a
Owner Occupied P&I. LVR above 90%*
6.42%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

5.34%p.a
Owner Occupied P&I. LVR up to 60%*
5.73%p.a
Comparison Rate1
5.39%p.a
Owner Occupied P&I. LVR above 60% - 70%*
5.78%p.a
Comparison Rate1
5.44%p.a
Owner Occupied P&I. LVR above 70% - 80%*
5.83%p.a
Comparison Rate1
6.28%p.a
Owner Occupied P&I. LVR above 80% - 90%*
6.65%p.a
Comparison Rate1
6.78%p.a
Owner Occupied P&I. LVR above 90%*
7.14%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • Enjoy discounts on other products
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

5.74%p.a
Owner Occupied P&I. LVR up to 80%. 1 year fixed*
5.86%p.a
Comparison Rate1
5.49%p.a
Owner Occupied P&I. LVR up to 80%. 2 years fixed*
5.84%p.a
Comparison Rate1
5.59%p.a
Owner Occupied P&I. LVR up to 80%. 3 years fixed*
5.87%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 4 years fixed*
6.02%p.a
Comparison Rate1
5.99%p.a
Owner Occupied P&I. LVR up to 80%. 5 years fixed*
6.06%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed*
6.64%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed*
6.63%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed*
6.65%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed*
6.79%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed*
6.81%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 1 year fixed*
7.08%p.a
Comparison Rate1
6.19%p.a
Owner Occupied P&I. LVR above 90%. 2 years fixed*
7.03%p.a
Comparison Rate1
6.29%p.a
Owner Occupied P&I. LVR above 90%. 3 years fixed*
7.00%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 4 years fixed*
7.10%p.a
Comparison Rate1
6.65%p.a
Owner Occupied P&I. LVR above 90%. 5 years fixed*
7.09%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

5.44%p.a
Investment P&I. LVR up to 60%*
5.47%p.a
Comparison Rate1
5.49%p.a
Investment P&I. LVR above 60% - 70%*
5.52%p.a
Comparison Rate1
5.54%p.a
Investment P&I. LVR above 70% - 80%*
5.57%p.a
Comparison Rate1
6.14%p.a
Investment P&I. LVR above 80% - 90%*
6.17%p.a
Comparison Rate1
6.79%p.a
Investment P&I. LVR above 90%*
6.82%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
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Complete Home Loan

5.54%p.a
Investment P&I. LVR up to 60%*
5.57%p.a
Comparison Rate1
5.59%p.a
Investment P&I. LVR above 60% - 70%*
5.62%p.a
Comparison Rate1
5.64%p.a
Investment P&I. LVR above 70% - 80%*
5.67%p.a
Comparison Rate1
6.24%p.a
Investment P&I. LVR above 80% - 90%*
6.27%p.a
Comparison Rate1
6.89%p.a
Investment P&I. LVR above 90%*
6.92%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
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Premier Package Home Loan

5.54%p.a
Investment P&I. LVR up to 60%*
5.92%p.a
Comparison Rate1
5.59%p.a
Investment P&I. LVR above 60% - 70%*
5.97%p.a
Comparison Rate1
5.64%p.a
Investment P&I. LVR above 70% - 80%*
6.02%p.a
Comparison Rate1
6.68%p.a
Investment P&I. LVR above 80% - 90%*
7.05%p.a
Comparison Rate1
7.28%p.a
Investment P&I. LVR above 90%*
7.64%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
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Premier Package Home Loan

5.94%p.a
Investment P&I. LVR up to 80%. 1 year fixed*
6.05%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 2 years fixed*
6.06%p.a
Comparison Rate1
5.84%p.a
Investment P&I. LVR up to 80%. 3 years fixed*
6.08%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 4 years fixed*
6.26%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR up to 80%. 5 years fixed*
6.30%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 80% - 90%. 1 year fixed*
7.03%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 80% - 90%. 2 years fixed*
7.02%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 80% - 90%. 3 years fixed*
7.03%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 4 years fixed*
7.18%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 80% - 90%. 5 years fixed*
7.21%p.a
Comparison Rate1
6.49%p.a
Investment P&I. LVR above 90%. 1 year fixed*
7.55%p.a
Comparison Rate1
6.54%p.a
Investment P&I. LVR above 90%. 2 years fixed*
7.49%p.a
Comparison Rate1
6.64%p.a
Investment P&I. LVR above 90%. 3 years fixed*
7.45%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 4 years fixed*
7.55%p.a
Comparison Rate1
7.05%p.a
Investment P&I. LVR above 90%. 5 years fixed*
7.53%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now
Our lowest variable rate
male-indoors-home-kitchen

Basic Home Loan

5.69%p.a
Investment interest only. LVR up to 60%*
5.58%p.a
Comparison Rate1
5.74%p.a
Investment interest only. LVR above 60% - 70%*
5.63%p.a
Comparison Rate1
5.79%p.a
Investment interest only. LVR above 70% - 80%*
5.68%p.a
Comparison Rate1
6.39%p.a
Investment interest only. LVR above 80% - 90%*
6.28%p.a
Comparison Rate1
7.04%p.a
Investment interest only. LVR above 90%*
6.94%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with offset
portrait-of-woman-hero

Complete Home Loan

5.79%p.a
Investment interest only. LVR up to 60%*
5.68%p.a
Comparison Rate1
5.84%p.a
Investment interest only. LVR above 60% - 70%*
5.73%p.a
Comparison Rate1
5.89%p.a
Investment interest only. LVR above 70% - 80%*
5.78%p.a
Comparison Rate1
6.49%p.a
Investment interest only. LVR above 80% - 90%*
6.38%p.a
Comparison Rate1
7.14%p.a
Investment interest only. LVR above 90%*
7.04%p.a
Comparison Rate1
  • 100% variable offset²
  • Competitive variable rate
  • No ongoing or monthly fees
Learn moreApply now
A variable loan with multiple offsets
middleage-male-home-hero

Premier Package Home Loan

5.79%p.a
Investment interest only. LVR up to 60%*
6.03%p.a
Comparison Rate1
5.84%p.a
Investment interest only. LVR above 60% - 70%*
6.05%p.a
Comparison Rate1
5.89%p.a
Investment interest only. LVR above 70% - 80%*
6.13%p.a
Comparison Rate1
6.93%p.a
Investment interest only. LVR above 80% - 90%*
7.16%p.a
Comparison Rate1
7.53%p.a
Investment interest only. LVR above 90%*
7.75%p.a
Comparison Rate1
  • Up to 8 offset accounts²
  • Split your home loan into a variable and fixed option
  • $390 annual fee applies
Learn moreApply now
Certainty of a fixed rate
Portrait-young-man-at-home-hero

Premier Package Home Loan

6.09%p.a
Investment interest only. LVR up to 80%. 1 year fixed*
6.07%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 2 years fixed*
6.09%p.a
Comparison Rate1
5.99%p.a
Investment interest only. LVR up to 80%. 3 years fixed*
6.12%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 4 years fixed*
6.31%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR up to 80%. 5 years fixed*
6.37%p.a
Comparison Rate1
6.64%p.a
Investment interest only. LVR above 80%. 1 year fixed*
7.04%p.a
Comparison Rate1
6.69%p.a
Investment interest only. LVR above 80%. 2 years fixed*
7.05%p.a
Comparison Rate1
6.79%p.a
Investment interest only. LVR above 80%. 3 years fixed*
7.08%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 4 years fixed*
7.24%p.a
Comparison Rate1
7.20%p.a
Investment interest only. LVR above 80%. 5 years fixed*
7.28%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreApply now

Understanding home loans

Home loans don't have to be complicated. We’ve broken things down to help you feel in control and confident.

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Home loan options

Home Loans
Your home loan doesn’t have to stay exactly as it was on day one. Learn about your options as an existing Bank First home loan member.
Learn more
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Home loan care

Home Loans
Simple loan habits that can help you stay in control, reduce your interest, and pay off your loan sooner.
Learn more
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Home loan glossary

Home Loans
Home loan jargon can be confusing so we’ve put together a simple glossary to help you understand the terms you might come across.
Learn more

Home loan calculators

Use our calculators to help plan, compare, or figure out what's next.

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Loan repayments calculator

See what your repayments could be and how to pay off your loan faster.

Calculate repayments
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Loan comparison calculator

Compare two loans side by side and see which one could save you more.

Compare loans
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Budget planner calculator

Track your income and spending to stay on top of your money.

Plan your budget
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Experiencing financial difficulties?

If things feel hard financially, you’re not alone.

We understand life can take an unexpected turn and we’re here to help.

Learn more
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Need to make changes to your home loan?

As your life and the market changes, your loan can change with you.

Get in touch