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Bank First Home Loan (Fixed, Premier Package)

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 98%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80% $50,000
Owner Occupier Principal & Interest 80%-90% $50,000
Owner Occupier Principal & Interest 90%-98% $50,000
Investor Principal & Interest < 80% $50,000
Investor Principal & Interest 90%-95% $50,000
Investor Principal & Interest 80%-90% $50,000
Investor Interest Only < 80% $50,000
Investor Interest Only 80%-90% $50,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $50,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $50,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-98%
    Loan: $50,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $50,000
  • Investor (Principal & Interest)
    LVR 90%-95%
    Loan: $50,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $50,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $50,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $50,000
Fixed 3 year rate
6.09% p.a.
Comparison Rate
6.92% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.29% p.a.
Comparison Rate
7.05% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.29% p.a.
Comparison Rate
7.39% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.34% p.a.
Comparison Rate
7.17% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.64% p.a.
Comparison Rate
7.84% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.64% p.a.
Comparison Rate
7.49% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.49% p.a.
Comparison Rate
7.21% p.a.
Service fee
$390.00 yearly
Upfront fee
$400
Fixed 3 year rate
6.79% p.a.
Comparison Rate
7.54% p.a.
Service fee
$390.00 yearly
Upfront fee
$400

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.09% (7.04%*)

6.09% (6.98%*)

6.09% (6.92%*)

6.45% (7.00%*)

6.45% (6.98%*)

n/a

n/a

6.73% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.19% (7.14%*)

6.19% (7.08%*)

6.29% (7.05%*)

6.65% (7.14%*)

6.65% (7.12%*)

n/a

n/a

6.83% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.19% (7.58%*)

6.19% (7.46%*)

6.29% (7.39%*)

6.65% (7.44%*)

6.65% (7.39%*)

n/a

n/a

7.33% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

90.00%

98.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

98% LVR available only to first home buyers, otherwise maximum LVR is 95%.

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.29% (7.28%*)

6.34% (7.22%*)

6.34% (7.17%*)

6.75% (7.27%*)

6.75% (7.25%*)

n/a

n/a

6.98% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.49% (8.04%*)

6.54% (7.92%*)

6.64% (7.84%*)

7.05% (7.89%*)

7.05% (7.84%*)

n/a

n/a

7.83% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

90.00%

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.49% (7.61%*)

6.54% (7.54%*)

6.64% (7.49%*)

7.05% (7.59%*)

7.05% (7.57%*)

n/a

n/a

7.33% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.44% (7.29%*)

6.49% (7.25%*)

6.49% (7.21%*)

6.90% (7.32%*)

6.90% (7.32%*)

n/a

n/a

6.98% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Details

Rates and fees information correct as at 29 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.64% (7.62%*)

6.69% (7.57%*)

6.79% (7.54%*)

7.20% (7.65%*)

7.20% (7.64%*)

n/a

n/a

7.33% p.a.

Fees

$0.00

$0.00

$0.00

$400.00

n/a

$390.00 yearly

$395.00

Other financial bits

$50,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$500.00

yes

no

none

Ability to borrow up to 85% LVR with no LMI (conditions apply); No personal loan establishment fee; No Platinum Credit Card Annual fee; Discounts to Premium GCU insurance policies.

none

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.

Customer Reviews

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

Overall
8.9/10
Price
8.3/10
Features
7.9/10
Customer service
9.0/10
Convenience
7.5/10
Trust
9.0/10
Based on 46 Bank First home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

About Bank First

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6.14% p.a. variable

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6.09% p.a. variable

6.20% p.a.

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5.99% p.a.
fixed 3 years

6.12% p.a.

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Offset Home Loan (Package)

6.14% p.a. variable

6.39% p.a.

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Variable

5.99% p.a.

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

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loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

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Express Home Loan (Fixed)

6.54% p.a.
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6.38% p.a.

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ANZ

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6.59% p.a.
fixed 3 years

7.06% p.a.

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.

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