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 home loans

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Understanding home loans

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Home loan calculators

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Help and support

When life changes, your loan can too

Whether your fixed rate is ending, you’re wondering if you’re still on a competitive deal, or you’re ready to take more control, there are ways to adjust your loan without starting over.

Learn more
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Explore loan structures

  • Variable: Allows extra repayments, redraw funds1, and potential benefits.

  • Fixed: Interest stays the same for a set term, giving predictable repayments2.

  • Split: Part fixed for certainty, part variable for flexibility3.

 

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Switch your home loan product

Looking for a product with features that better suit your needs but want to stay with Bank First? We don't charge a switching fee if you switch your current home loan to another Bank First home loan product.

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Increase your home loan

For home improvements, extra holiday funds, consolidating debt or draw out equity from your home.

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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
family-renovating-kitchen-with-playful-children

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 moreEnquire 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 moreEnquire 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 moreEnquire now
Certainty of a fixed rate
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Premier Package Home Loan

5.29%p.a
Owner Occupied P&I. LVR up to 80%. 1 year fixed*
5.81%p.a
Comparison Rate1
5.14%p.a
Owner Occupied P&I. LVR up to 80%. 2 years fixed*
5.77%p.a
Comparison Rate1
5.24%p.a
Owner Occupied P&I. LVR up to 80%. 3 years fixed*
5.77%p.a
Comparison Rate1
5.64%p.a
Owner Occupied P&I. LVR up to 80%. 4 years fixed*
5.90%p.a
Comparison Rate1
5.64%p.a
Owner Occupied P&I. LVR up to 80%. 5 years fixed*
5.91%p.a
Comparison Rate1
5.74%p.a
Owner Occupied P&I. LVR above 80% - 90%. 1 year fixed*
6.60%p.a
Comparison Rate1
5.84%p.a
Owner Occupied P&I. LVR above 80% - 90%. 2 years fixed*
6.56%p.a
Comparison Rate1
5.94%p.a
Owner Occupied P&I. LVR above 80% - 90%. 3 years fixed*
6.55%p.a
Comparison Rate1
6.30%p.a
Owner Occupied P&I. LVR above 80% - 90%. 4 years fixed*
6.66%p.a
Comparison Rate1
6.30%p.a
Owner Occupied P&I. LVR above 80% - 90%. 5 years fixed*
6.66%p.a
Comparison Rate1
5.74%p.a
Owner Occupied P&I. LVR above 90%. 1 year fixed*
7.03%p.a
Comparison Rate1
5.84%p.a
Owner Occupied P&I. LVR above 90%. 2 years fixed*
6.96%p.a
Comparison Rate1
5.94%p.a
Owner Occupied P&I. LVR above 90%. 3 years fixed*
6.90%p.a
Comparison Rate1
6.30%p.a
Owner Occupied P&I. LVR above 90%. 4 years fixed*
6.97%p.a
Comparison Rate1
6.30%p.a
Owner Occupied P&I. LVR above 90%. 5 years fixed*
6.93%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreEnquire 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 moreEnquire 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 moreEnquire 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 moreEnquire now
Certainty of a fixed rate
couple-unpacking-and-playing-with-dog-in-bright-living-room

Premier Package Home Loan

5.49%p.a
Investment P&I. LVR up to 80%. 1 year fixed*
6.01%p.a
Comparison Rate1
5.39%p.a
Investment P&I. LVR up to 80%. 2 years fixed*
5.97%p.a
Comparison Rate1
5.49%p.a
Investment P&I. LVR up to 80%. 3 years fixed*
5.98%p.a
Comparison Rate1
5.94%p.a
Investment P&I. LVR up to 80%. 4 years fixed*
6.13%p.a
Comparison Rate1
5.94%p.a
Investment P&I. LVR up to 80%. 5 years fixed*
6.15%p.a
Comparison Rate1
6.04%p.a
Investment P&I. LVR above 80% - 90%. 1 year fixed*
6.98%p.a
Comparison Rate1
6.09%p.a
Investment P&I. LVR above 80% - 90%. 2 years fixed*
6.93%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR above 80% - 90%. 3 years fixed*
6.93%p.a
Comparison Rate1
6.70%p.a
Investment P&I. LVR above 80% - 90%. 4 years fixed*
7.05%p.a
Comparison Rate1
6.70%p.a
Investment P&I. LVR above 80% - 90%. 5 years fixed*
7.05%p.a
Comparison Rate1
6.04%p.a
Investment P&I. LVR above 90%. 1 year fixed*
7.50%p.a
Comparison Rate1
6.09%p.a
Investment P&I. LVR above 90%. 2 years fixed*
7.39%p.a
Comparison Rate1
6.29%p.a
Investment P&I. LVR above 90%. 3 years fixed*
7.35%p.a
Comparison Rate1
6.70%p.a
Investment P&I. LVR above 90%. 4 years fixed*
7.42%p.a
Comparison Rate1
6.70%p.a
Investment P&I. LVR above 90%. 5 years fixed*
7.38%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreEnquire 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 moreEnquire 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 moreEnquire 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 moreEnquire now
Certainty of a fixed rate
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Premier Package Home Loan

5.64%p.a
Investment interest only. LVR up to 80%. 1 year fixed*
6.02%p.a
Comparison Rate1
5.54%p.a
Investment interest only. LVR up to 80%. 2 years fixed*
6.00%p.a
Comparison Rate1
5.64%p.a
Investment interest only. LVR up to 80%. 3 years fixed*
6.02%p.a
Comparison Rate1
6.09%p.a
Investment interest only. LVR up to 80%. 4 years fixed*
6.18%p.a
Comparison Rate1
6.09%p.a
Investment interest only. LVR up to 80%. 5 years fixed*
6.22%p.a
Comparison Rate1
6.19%p.a
Investment interest only. LVR above 80%. 1 year fixed*
6.99%p.a
Comparison Rate1
6.24%p.a
Investment interest only. LVR above 80%. 2 years fixed*
6.96%p.a
Comparison Rate1
6.44%p.a
Investment interest only. LVR above 80%. 3 years fixed*
6.98%p.a
Comparison Rate1
6.85%p.a
Investment interest only. LVR above 80%. 4 years fixed*
7.11%p.a
Comparison Rate1
6.85%p.a
Investment interest only. LVR above 80%. 5 years fixed*
7.12%p.a
Comparison Rate1
  • Make extra repayments and redraw without a fee⁴
  • $390 annual fee applies
Learn moreEnquire 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.

Wide-angle shot of multiethnic family in casual attire carrying cardboard boxes upstairs in modern home, illuminated by natural light streaming through overhead skylight.
Home loan care
Simple loan habits that can help you stay in control, reduce your interest, and pay off your loan sooner.
Learn more
A woman with a cheerful smile and cozy attire enjoys a relaxed moment with a warm beverage by the window while engaging in a pleasant conversation. The indoor setting conveys comfort and warmth, complemented by the natural light coming through the window and the soft hues of the surroundings.
Home loan glossary
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

Help and support

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Make changes to home loanMake changes to home loan

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

Get in touch
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Experiencing financial difficulties?Experiencing financial difficulties?

You’re not alone. We understand life can take an unexpected turn and we can help.

Contact us
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Fraud and scamsFraud and scams

Learn more fraud and scams, what to look out for and how to protect yourself from scammers.

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Important information

1For our redraw facility, the Minimum redraw is $500.
2Break costs may apply if you exit during the fixed rate term.
3Available on the Premier Package Home Loan only.

Important Information: The information in this article does not consider your objectives, financial situation or needs. Consider the suitability of this information and refer to the Terms and Conditions or Product Disclosure Statement before acting on any of the information or acquiring a product. Our Terms and Conditions and Product Disclosure Statements is available on our website and at our branches or call 1300 654 822.