Find your new home loan.
Our home loans are simple to understand, and easy to manage. We offer a range of home loans that are specialised to ensure you get the features and benefits most suited to your needs.
Home and Investment Loans
Buying a home will be one of the biggest purchases of your life and it’s our goal to help make it a simple and easy process. We’re local and here to look after you. Our home loans are simple to understand, and easy to manage. We offer a range of home loans that are specialised to ensure you get the features and benefits most suited to your needs.
Please review our Target Market Determination Documents to see which product is right for you:
Home Loan Variable Rate
Our Standard Variable Rate Home Loans are suitable for first time home buyers, families who need extra space, property investors and those looking to refinance their homes.
- Competitive variable rate
- Redraw facility available
- Flexible repayment options
- Member Relationship Fee Rebate Scheme
Interest rate | |
Minimum amount | $20,000 |
Maximum amount | up to 95% of the property value with Lenders Mortgage Insurance, 80% without |
Loan period | Up to 30 Years |
Flexible repayment options | Weekly, fortnightly or monthly |
Interest charges | Calculated daily, charged monthly |
Third party legal & valuation fees | At cost $1040 (approx) |
Lump sum payments without penalty | Yes |
Early termination fee | No |
Redraw facility | Yes, online redraws are free but fees apply for branch redraws |
Property valuations | Yes |
Monthly service fees | No |
Auto repayments | Yes |
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This table is provided as a guide only. Terms and conditions are available on application or request. |
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From
5.94%pa interest rate
From
6.01%pa comparison rate
This table is provided as a guide only. Terms and conditions are available on application or request.
Fixed Rate Home Loan
With our Fixed Rate Home Loans, you’ll have peace of mind knowing that your repayments will not be altered during the fixed period.
- Peace of mind with fixed repayments
- Lock in a great rate for up to 3 years
- Flexible repayment options
Interest rate | |
Minimum amount | $20,000 |
Maximum amount | up to 95% of the property value with Lenders Mortgage Insurance, 80% without |
Loan period | Up to 30 years |
Flexible repayment options | Weekly, fortnightly or monthly |
Interest charges | Calculated daily, charged monthly |
Third party legal & valuation fees | At cost $1040 (approx) |
Lump sum payments without penalty | Yes up to $10,000 per year |
Fee for Breaking fixed term? | Yes |
Redraw facility | Yes, online redraws are free but fees apply for branch redraws |
Property valuations | Yes |
Monthly service fees | No |
Auto repayments | Yes |
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This table is provided as a guide only. Terms and conditions are available on application or request. |
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From
5.95%pa interest rate
From
6.91%pa comparison rate
This table is provided as a guide only. Terms and conditions are available on application or request.
Construction Home Loan
Build the house of your dreams with flexible funding from our Construction Home Loan.
- Competitive variable rate
- Flexible repayment options
- No principal repayments require until the full loan is drawn
Interest rate | |
Minimum amount | $20,000 |
Maximum amount | up to 95% of the property value with Lenders Mortgage Insurance, 80% without |
Loan period | 12 months |
Flexible repayment options | Weekly, fortnightly or monthly |
Interest charges | Calculated daily, charged monthly |
Third party legal & valuation fees | At cost $1040 (approx) |
Variable and lump sum payments without penalty | Interest only |
Early repayment without penalty | Yes |
Redraw facility | No |
Property valuations available | Yes |
Monthly service fees | No |
Auto repayments | Yes |
Loan establishment fee | Yes |
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This table is provided as a guide only. Terms and conditions are available on application or request. |
|
From
6.20%pa interest rate
From
6.27%pa comparison rate
This table is provided as a guide only. Terms and conditions are available on application or request.
Interest Only Investment Loan
An Interest Only Investment Loan is ideal for property investors and renovators as repayments are only required for the interest earned on the principal during the term of your loan.
- Repay the principal lump sum or renegotiate the loan at the end of the term
- No monthly account keeping or service fees
- Borrow up to 90% of the property value
Interest rate | |
Minimum amount | $20,000 |
Maximum amount | up to 90% of the property value with Lenders Mortgage Insurance, 80% without |
Loan period | 5 years |
Flexible repayment options | Weekly, fortnightly or monthly |
Interest charges | Calculated daily, charged monthly |
Third party legal & valuation fees | At cost $1040 (approx) |
Variable and lump sum repayments | No |
Early repayment without penalty | Yes |
Redraw facility available | No |
Property valuations available | Yes |
Monthly service fees | No |
Auto repayments | Yes |
Loan establishment fee | Yes |
|
This table is provided as a guide only. Terms and conditions are available on application or request. |
|
From
8.05%pa interest rate
From
8.13%pa comparison rate
This table is provided as a guide only. Terms and conditions are available on application or request.
Bridging Home Loan
Our Bridging Home Loan gives you the funds to buy your new home whilst you await the sale of your existing property.
- 100% offset account
- 1 year fixed term
- No monthly account keeping fees
Interest rate | |
Minimum amount | $20,000 |
Maximum amount | 80% of the property’s final value |
Loan period | 1 year then reverts to principle and interest |
Flexible repayment options | Weekly, fortnightly or monthly |
Interest charges | Calculated daily, charged monthly |
Third party legal & valuation fees | At cost $1040 (approx) |
Variable and lump sum repayments | No |
Early repayment without penalty | Yes |
Redraw facility available | No |
Property valuations available | Yes |
Monthly service fees | No |
Auto repayments | Yes |
Loan establishment fee | Yes |
|
This table is provided as a guide only. Terms and conditions are available on application or request. |
|
From
7.45%pa interest rate
From
7.53%pa comparison rate
This table is provided as a guide only. Terms and conditions are available on application or request.
Mortgage Secured Overdraft
Use our Mortgage Secured Overdraft to cover those peak periods when unexpected bills arrive and pay a low interest rate on the amount you borrow. Access money when needed and pay a low interest rate on what you use.
- Borrow for any purpose and have a revolving credit facility
- Pay a low, ongoing, interest rate
- No monthly fees
Interest rate | |
Minimum amount | $5,000 |
Maximum amount | 80% of the property value |
Loan period | N/A |
Flexible repayment options | Due monthly |
Interest charges | Calculated daily, charged monthly on the portion of the overdraft used |
Third party legal & valuation fees | At cost $1040 (approx) |
Lump sum payments without penalty | Yes |
Early termination fee | No |
Redraw facility | N/A |
Property valuations | Yes |
Monthly service fees | No |
Auto repayments | Yes |
Loan establishment fee | Yes |
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This table is provided as a guide only. Terms and conditions are available on application or request. Loan applications are assessed on a number of criteria which may result in a higher interest rate. This is general information only and your needs and financial circumstances have not been taken into account. Terms, conditions, fees and charges may apply. Before using any of Family First Bank’s products or services you should read our Financial Services Guide. |
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From
9.60%pa
This table is provided as a guide only. Terms and conditions are available on application or request.
Loan applications are assessed on a number of criteria which may result in a higher interest rate.
This is general information only and your needs and financial circumstances have not been taken into account. Terms, conditions, fees and charges may apply. Before using any of Family First Bank’s products or services you should read our Financial Services Guide.
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Questions?
If you have any questions, please contact us.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
(3) Comparison Rate based on a typical Personal Loan of $10,000 over 3 years.
(4) Comparison Rate based on a $150,000 secured home loan over a 25 year period.
(5) Security taken over loans deemed non standard will attract a higher interest rate of 0.25%p.a.
(6) Interest only loans will attract a higher interest rate of 0.25%p.a. (excludes construction loans).
(7) Break cost fee may apply to a fixed rate home loan if fully repaid throughout the fixed rate period.
(8) An offset account is not available with fixed rate home loans.
(9) May be eligible for a rate lock fee.
(10) Interest only option available, redraw available, mortgage offset available on application.
(11) Previously referred to as 12 Month Discounted Variable Rate.
Loan applications are assessed on a number of criteria which may result in a higher interest rate.
This is general information only and your needs and financial circumstances have not been taken into account. Terms, conditions, fees and charges may apply. Before using any of Family First Bank’s products or services you should read our Financial Services Guide.
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Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Account & Access Facility Conditions of Use and Financial Services Guide before acquiring the product.