BSB 704-191

Interest Rates

View our fixed and variable interest rates for all Bank First Loans including Home Loans, Car Loans, Personal Loans and Credit Cards.

Rates - Owner Occupied Home Loans

Rates - Investment Home Loans

Car Loans

Personal Loans

Credit Cards

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Terms and Conditions

Important Information

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Principal and Interest

LVR up to 60%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	5.99%	6.02%
Complete Home Loan	6.09%	6.12%
Premier Package Home Loan	6.09%	6.46%

LVR above 60% - 70%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.04%	6.07%
Complete Home Loan	6.14%	6.17%
Premier Package Home Loan	6.14%	6.51%

LVR above 70% - 80%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.14%	6.17%
Complete Home Loan	6.24%	6.27%
Premier Package Home Loan	6.24%	6.61%

LVR above 80% - 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.59%	6.62%
Complete Home Loan	6.69%	6.72%
Premier Package Home Loan	7.03%	7.39%

LVR above 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.99%	7.02%
Complete Home Loan	7.09%	7.12%
Premier Package Home Loan	7.48%	7.83%

Interest only - Construction loans

LVR up to 80%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	6.49%	6.30%
Premier Package Home Loan - Construction	6.49%	6.64%

LVR above 80% - 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	6.94%	6.75%
Premier Package Home Loan - Construction	7.28%	7.42%

LVR above 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	7.34%	7.15%
Premier Package Home Loan - Construction	7.73%	7.86%

Principal and Interest: Premier Package Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	5.99%	6.59%
2 Years	5.79%	6.52%
3 Years	5.89%	6.51%
4 Years	6.45%	6.69%
5 Years	6.45%	6.70%

LVR above 80% - 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.19%	7.30%
2 Years	6.19%	7.22%
3 Years	6.29%	7.18%
4 Years	6.65%	7.25%
5 Years	6.65%	7.22%

LVR above 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.19%	7.69%
2 Years	6.19%	7.57%
3 Years	6.29%	7.48%
4 Years	6.65%	7.52%
5 Years	6.65%	7.46%

Principal and Interest: Complete Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.09%	6.26%
2 Years	5.89%	6.21%
3 Years	5.99%	6.20%
4 Years	6.55%	6.39%
5 Years	6.55%	6.41%

LVR above 80% - 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.29%	6.68%
2 Years	6.29%	6.64%
3 Years	6.39%	6.64%
4 Years	6.75%	6.75%
5 Years	6.75%	6.75%

LVR above 90%

	Interest rate (p.a.)^,2	Comparison Rate (p.a.)¹
1 Year	6.29%	7.04%
2 Years	6.29%	6.96%
3 Years	6.39%	6.92%
4 Years	6.75%	7.00%
5 Years	6.75%	6.97%

Principal and Interest

LVR up to 60%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.19%	6.22%
Complete Home Loan	6.29%	6.32%
Premier Package Home Loan	6.29%	6.66%

LVR above 60% - 70%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.24%	6.27%
Complete Home Loan	6.34%	6.37%
Premier Package Home Loan	6.34%	6.71%

LVR above 70% - 80%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.39%	6.42%
Complete Home Loan	6.49%	6.52%
Premier Package Home Loan	6.49%	6.86%

LVR above 80% - 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.89%	6.92%
Complete Home Loan	6.99%	7.02%
Premier Package Home Loan	7.43%	7.79%

LVR above 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	7.49%	7.52%
Complete Home Loan	7.59%	7.63%
Premier Package Home Loan	7.98%	8.33%

Interest only

LVR up to 60%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.44%	6.33%
Complete Home Loan	6.54%	6.43%
Premier Package Home Loan	6.54%	6.77%

LVR above 60% - 70%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.49%	6.38%
Complete Home Loan	6.59%	6.48%
Premier Package Home Loan	6.59%	6.79%

LVR above 70% - 80%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	6.64%	6.54%
Complete Home Loan	6.74%	6.64%
Premier Package Home Loan	6.74%	6.97%

LVR above 80% - 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	7.14%	7.04%
Complete Home Loan	7.24%	7.14%
Premier Package Home Loan	7.68%	7.90%

LVR above 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Basic Home Loan	7.74%	7.64%
Complete Home Loan	7.84%	7.74%
Premier Package Home Loan	8.23%	8.45%

Interest only - Construction

LVR up to 80%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	6.74%	6.55%
Premier Package Home Loan - Construction	6.74%	6.88%

LVR above 80% - 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	7.24%	7.05%
Premier Package Home Loan - Construction	7.68%	7.81%

LVR above 90%

	Interest rate (p.a.)*	Comparison Rate (p.a.)¹
Complete Home Loan - Construction	7.84%	7.65%
Premier Package Home Loan - Construction	8.23%	8.36%

Principal and Interest: Premier Package Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.19%	6.83%
2 Years	6.14%	6.79%
3 Years	6.14%	6.76%
4 Years	6.75%	6.95%
5 Years	6.75%	6.97%

LVR above 80% - 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.49%	7.68%
2 Years	6.54%	7.60%
3 Years	6.64%	7.55%
4 Years	7.05%	7.64%
5 Years	7.05%	7.61%

LVR above 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.49%	8.16%
2 Years	6.54%	8.03%
3 Years	6.64%	7.93%
4 Years	7.05%	7.97%
5 Years	7.05%	7.90%

Principal and Interest: Complete Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.29%	6.50%
2 Years	6.24%	6.47%
3 Years	6.24%	6.45%
4 Years	6.85%	6.66%
5 Years	6.85%	6.68%

LVR above 80% - 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.59%	6.98%
2 Years	6.64%	6.95%
3 Years	6.74%	6.95%
4 Years	7.15%	7.08%
5 Years	7.15%	7.10%

LVR above 90%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.59%	7.52%
2 Years	6.64%	7.43%
3 Years	6.74%	7.37%
4 Years	7.15%	7.46%
5 Years	7.15%	7.42%

Interest only: Premier Package Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.34%	6.84%
2 Years	6.29%	6.82%
3 Years	6.29%	6.80%
4 Years	6.90%	7.01%
5 Years	6.90%	7.04%

LVR above 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.64%	7.70%
2 Years	6.69%	7.63%
3 Years	6.79%	7.60%
4 Years	7.20%	7.70%
5 Years	7.20%	7.68%

Interest only: Complete Home Loan

LVR up to 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.44%	6.52%
2 Years	6.39%	6.50%
3 Years	6.39%	6.50%
4 Years	7.00%	6.71%
5 Years	7.00%	6.75%

LVR above 80%

	Interest rate (p.a.)²	Comparison Rate (p.a.)¹
1 Year	6.74%	7.00%
2 Years	6.79%	6.98%
3 Years	6.89%	7.00%
4 Years	7.30%	7.14%
5 Years	7.30%	7.16%

Promotional

	Interest rate (p.a.)⁷	Comparison Rate (p.a.)^8,7
New Car Loan	6.79%	8.12%⁶
Used Car Loan	7.79%	9.13%⁵
Green Car Loan	6.29%	7.62%⁶

Standard

	Interest rate (p.a.)	Comparison Rate (p.a.)⁸
New Car Loan	9.79%	10.07%⁶
Used Car Loan	10.79%	12.16%⁵
Green Car Loan	9.29%	9.57%⁶

New Car Loan

	Promotional Interest rate (p.a.)⁷	Promotional Comparison Rate (p.a.)^7,8	Interest rate (p.a.)⁶	Comparison Rate (p.a.)⁸
1 Year	6.79%	8.94%⁶	9.79%	10.07%⁶
2 Years	6.79%	8.10%⁶	9.79%	10.07%⁶
3 Years	6.79%	7.52%⁶	9.79%	10.07%⁶
4 Years	6.79%	7.18%⁶	9.79%	10.07%⁶
5 Years	6.79%	7.06%⁶	9.79%	10.07%⁶

Used Car Loan

	Promotional Interest rate (p.a.)⁷	Promotional Comparison Rate (p.a.)^7,8	Interest rate (p.a.)⁶	Comparison Rate (p.a.)⁸
1 Year	7.79%	10.44%⁵	10.79%	12.16%⁵
2 Years	7.79%	9.46%⁵	10.79%	12.16%⁵
3 Years	7.79%	9.13%⁵	10.79%	12.16%⁵
4 Years	7.79%	9.13%⁵	10.79%	12.16%⁵
5 Years	7.79%	9.13%⁵	10.79%	12.16%⁵

Green Car Loan

	Promotional Interest rate (p.a.)⁷	Promotional Comparison Rate (p.a.)^7,8	Interest rate (p.a.)⁶	Comparison Rate (p.a.)⁸
1 Year	6.29%	8.44%⁶	9.29%	9.57%⁶
2 Years	6.29%	7.60%⁶	9.29%	9.57%⁶
3 Years	6.29%	7.02%⁶	9.29%	9.57%⁶
4 Years	6.29%	6.68%⁶	9.29%	9.57%⁶
5 Years	6.29%	6.56%⁶	9.29%	9.57%⁶

Personal Loans

	Interest rate (p.a.)	Comparison Rate (p.a.)³
Personal Loan	9.64%	11.00%
Green Personal Loan - This product is no longer available for new accounts	7.25%	8.59%
Share Loan - This product is no longer available for new accounts	8.15%	9.49%
Overdraft - This product is no longer available for new accounts	12.79%	N/A

Personal Loans

	Interest rate (p.a.)	Comparison Rate (p.a.)³
1-5 Years	9.64%	11.00%

Green Personal Loans

	Interest rate (p.a.)	Comparison Rate (p.a.)³
1-5 Years - This product is no longer available for new accounts	7.25%	8.59%

Share Loans

	Interest rate (p.a.)	Comparison Rate (p.a.)³
1-5 Years - This product is no longer available for new accounts	8.15%	9.49%

Credit Cards

	Purchase Variable Rate (p.a.)	Balance Transfer Rate (p.a.)	Cash Advance Variable Rate (p.a.)
Visa Platinum Credit Card (S6)	11.49%	11.49%	19.59%
Visa Classic Credit Card (S7)	12.54%	12.54%	12.54%

Interest is calculated daily. Interest rates are per annum, current at the time of publication and are subject to change without notice.

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.

*Interest rates apply to new lending only.

Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. 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. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Fees and charges apply. Terms and conditions available upon request.
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.
Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years.
Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years.
Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years.
Rates are indicative only. Fixed rates are fixed at the date of funding.
The 3% discount is off the standard car loan rate. Lending criteria applies. We reserve the right to amend or withdraw these offers at any time.
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.