Bank First Complete Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 95%

The details shown below are for an investor taking out a principal & interest, interest only loan up to with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan:

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan:

  • Investor (Principal & Interest, Interest Only)

    LVR < 80%

    Loan:

3.99% p.a.

4.04% p.a.

$0.00

Bank First Complete Home Loan

3.99% p.a.

4.04% p.a.

$0.00

4.19% p.a.

4.24% p.a.

$0.00

Bank First Complete Home Loan

4.19% p.a.

4.24% p.a.

$0.00

4.49% p.a.

4.54% p.a.

$0.00

Bank First Complete Home Loan

4.49% p.a.

4.54% p.a.

$0.00

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 3.99% p.a.

  • n/a

  • 0 Months

  • none

  • 4.04% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • none

  • none

  • $0.00

  • $350.00

Other financial bits
  • none

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • none

  • none

  • $0.00

  • $350.00

Other financial bits
  • none

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • none

  • none

  • $0.00

  • $350.00

Other financial bits
  • none

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are Bank First home loans rated by the Mozo community?

Overall customer rating
8.7/10
Price
8.0/10
Features
8.1/10
Customer service
9.0/10
Convenience
7.2/10
Trust
8.7/10

Latest reviews of Bank First Complete Home Loan

  • Overall
    9/10
    The best rates and helpful, friendly service.

    I was with one of the Big 4 banks for 30 years and I moved to Vic Teachers Mutual Bank as all...

    I was with one of the Big 4 banks for 30 years and I moved to Vic Teachers Mutual Bank as all profits go back to all the account holders of the bank instead of outside shareholders and they beat the rates and the costs of the Big 4. The only drawback was no rewards program and no big network of branches. I can live without the handy branches as I do all my banking online these days and their online facilities are easy to use. I weighed up the cost of the rewards program, and the benefits of the lower rate and costs were greater than the perks of the rewards program.

    Price
    8/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    5/10
    Trust
    9/10

    Michael | VIC

    28 Mar 2014

  • Overall
    9/10
    Victoria Teacher's Mutual Bank- It pays to save!!

    'Trust' and 'Bank' don't usually go together, However, Victoria Teachers Mutual bank's like no...

    'Trust' and 'Bank' don't usually go together, However, Victoria Teachers Mutual bank's like no other! Redraw facility, friendly staff, low rates, Recommended to all family and mates! Could compare to local butcher, postie or hairdresser, Teller knows me by first name and no lesser! Reminds me of good old days, when profits were not important and saving money pays! Commonwealth bank ATM's, we can use, Without fees, we don't lose! Website is easy and secure, 2 branches and no fewer. From credit union to bank, If it were sport, it would highly rank!

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Mozo reviewer | VIC

    19 Nov 2013

  • Overall
    9/10
    VTMB

    Victoria Teachers Mutual Bank have provided banking for my family for over 35 years. Originally a...

    Victoria Teachers Mutual Bank have provided banking for my family for over 35 years. Originally a credit union for the education industry, I was introduced through my father, a teacher, although now anyone can join. I find their products competitive, the ability to bank fee free (savings accounts and loans), they offer the rewards package and the customer service is great. While they only have two branches in Melbourne, you can access or deposit funds through any CBA ATM or branch.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10

    Scott | VIC

    08 Oct 2013

Bank First

About Bank First

Formerly Victoria Teachers Mutual Bank, Bank First is an award winning financial institution with a competitive range of banking products including personal loans, home loans, term deposits and savings accounts. Founded by Australian educators in 1972, Bank First offers all Australians outstanding value but doesn't compromise on service or quality. Best of all, Bank First customers become equal shareholders which means all the benefits are directly returned to you.

See Bank First home loans

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.