Bank First home loans

Compare home loan offers available from Bank First.Logo for Bank First

Founded in 1972, Bank First aims to provide value to its members and the education community. This customer-owned bank offers a wide range of financial products and services. Anyone can open an account with Bank First, and as a customer-owned bank its profits are reinvested into the institution to deliver better outcomes for customers rather than being distributed among external shareholders.

Compare Bank First Home Loans

Rates last updated December 12th, 2018
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$0 p.a.
A competitive variable rate for borrowers with a 20% deposit or more. Guarantor option available.
$350 p.a.
Enjoy savings and flexibility with Bank First's Premier Package Home Loan
$150 p.a.
$0 p.a.
$350 p.a.
$350 p.a.
$350 p.a.
$0 p.a.
A simple home loan for owner-occupiers that offers flexible repayments and a redraw account.

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Who is Bank First?

This multi-award-winning bank aims to provide superior service, a fair deal and strong and secure financial support to its customers. Its range of banking products includes transaction and savings accounts, term deposits, credit cards, personal loans, insurance and financial planning advice.

Bank First also offers a range of home loans, with products geared toward everyone from first-time buyers to investors, refinancers, and those looking for a complete home loan package. The bank even includes a number of handy tools on its website to help you find the right home loan.

Home loans offered by Bank First

Complete Home Loan

This home loan is available with variable or fixed rate options, and offers a 100% offset account for variable rate home loans. It also offers flexible repayments and free redraw. The Bank First Complete Home Loan is also suitable for the Construction, First Home Buyers' Package and Investment loans.

Standard Home Loan

This standard variable rate product offers a 100% offset account. It comes with no administration or redraw fees, and offers Bridging and Investment options.

First Rate Home Loan

This principal and interest variable home loan is available for owner-occupiers. It's also available with a family guarantee.

Premier Package Home Loan

The Premier Package Home Loan carries a 0.80% discount off the Standard Home Loan variable interest rate and multiple offset accounts. It carries no establishment or transaction fees. The loan is suited to first home buyers, investors, construction or any other stage of home ownership.

Equity Line of Credit

The Equity Line of Credit gives borrowers a convenient way to access the equity in their home by combining income, savings and credit into a single home loan account that offers a line of credit facility. The loan offers flexible repayment options, and allows you to access your funds as you need without having to make further applications.

About how to compare home loans

How to apply for a Bank First home loan

The application process for a Bank First home loan is simple and straightforward. You can:

  • Fill out an application form online
  • Apply over the phone
  • Download an application form and send it to the bank via mail, fax or in person
  • Visit a branch

Documents needed to apply for a Bank First home loan

Personal information

  • Your Driver’s License or passport, along with any supported documents which are requested.

Property information

  • Property type
  • Property value
  • Your deposit size
  • Solicitor details

Financial information

  • Copies of recent payslips if your salary is credited to a different financial institution
  • Bank statements with three months of recent transaction and balance history.
  • Details regarding your assets, debts and liabilities

A full checklist of required documents is available on Bank First's website.

Consider a loan from Bank First in your next home loan comparison.

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UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit. Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

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