The details shown below are for an owner occupier taking out a principal & interest loan between $200,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest, interest only loan between $200,000 and $2,000,000 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 80%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 98%
The details shown below are for an investor taking out a principal & interest, interest only loan up to with an LVR below 80%
The details shown below are for an investor taking out a principal & interest, interest only loan up to with an LVR below 90%
The details shown below are for an investor taking out a principal & interest, interest only loan up to with an LVR below 95%
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% | $200,000 | $2,000,000 |
|
|
Investor | Principal & Interest, Interest Only | < 80% | $200,000 | $2,000,000 |
|
|
Owner Occupier | Principal & Interest | < 80% | ||
|
|
Owner Occupier | Principal & Interest | 80%-90% | ||
|
|
Owner Occupier | Principal & Interest | 90%-98% | ||
|
|
Investor | Principal & Interest, Interest Only | < 80% | ||
|
|
Investor | Principal & Interest, Interest Only | 80%-90% | ||
|
|
Investor | Principal & Interest, Interest Only | 90%-95% |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $200,000 $2,000,000
Investor (Principal & Interest, Interest Only)
LVR < 80%
Loan: $200,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan:
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan:
Owner Occupier (Principal & Interest)
LVR 90%-98%
Loan:
Investor (Principal & Interest, Interest Only)
LVR < 80%
Loan:
Investor (Principal & Interest, Interest Only)
LVR 80%-90%
Loan:
Investor (Principal & Interest, Interest Only)
LVR 90%-95%
Loan:
If you’re looking for a full-feature home loan with competitive variable rates then you’ve come to the right place. Bank First’s Home Loan (Premier Package) offers a suite of useful features including an offset account, redraw facility and extra repayments, plus variable rates start at a competitive 3.73% p.a. (4.15% p.a. comparison rate*). And borrowers can even make the most of discounts on other Bank First banking products. They also won the 2022 Mozo Experts Choice Award in the Packaged Home Loan category, so they have our seal of approval.
The Home Loan (Premier Package) from Bank First is available to all sorts of borrowers – from first home buyers to refinancers and property investors – with no minimum or maximum loan amount.
There are also options for borrowers with varying deposits or existing equity, ranging from <80% loan-to-value ratio (i.e. a 20% deposit or more) all the way up to <95% LVR for investors and <98% LVR for borrowers. Just bear in mind, lenders mortgage insurance may be required on loans with higher LVRs.
As we said above, the Premier Package Home Loan comes with quite competitive variable interest rates for a packaged mortgage offer, which currently start at:
3.73% p.a. (4.15% p.a. comparison rate*) for owner occupiers making principal and interest repayments (<80% LVR)
4.13% p.a. (4.54% p.a. comparison rate*) for investors making principal and interest repayments (<80% LVR)
In terms of features, Premier Package mortgage holders will have a lot of choice at their disposal. There’s an offset account to help borrowers reduce the amount of interest they’re paying, an extra repayments option to pay the loan down faster, and a redraw facility which can be used to dip back into those additional repayments if need be ($500 minimum redraw amount applies). Borrowers who are ahead of their repayments may even be able to take a repayment holiday for a short amount of time.
Bank First also offers Premier Package customers a number of discounts on other products. These include no annual fee on the Bank First Visa Platinum Credit Card and an establishment fee waiver on the Bank First Platinum Credit Card.
There are a few fees to weigh up with the Premier Package Home Loan though, including a $390 annual service fee and one-off settlement ($400) and discharge ($395) fees.
With a range of features, package discounts and some relatively competitive variable rates, the Home Loan (Premier Package) from Bank First could prove to be an offer worth considering for either owner occupiers or investors looking for a packaged home loan.
Just remember, the $390 annual service fee applies over the course of the loan, so that cost may be worth taking into account if your loan is likely to run over 25 or 30 years.
|
3.73% p.a. |
|
|
3.40% p.a. |
|
|
36 Months |
|
|
Variable |
|
|
4.07% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
$200,000 |
|
|
$2,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
Special Discounted 3 Year Introductory Rate available for applications made by 30 June 2022. |
|
|
First home buyer can apply for first home buyers package with waived home loan establishment fee. 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.
|
4.13% p.a. |
|
|
3.66% p.a. |
|
|
36 Months |
|
|
Variable |
|
|
4.43% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
$200,000 |
|
|
$2,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
Special Discounted 3 Year Introductory Rate available for applications made by 30 June 2022. |
|
|
First home buyer can apply for first home buyers package with waived home loan establishment fee. 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.
|
3.73% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.16% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
First home buyer can apply for first home buyers package with waived home loan establishment fee. 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.
|
3.93% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.35% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
First home buyer can apply for first home buyers package with waived home loan establishment fee. 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.
|
4.43% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.84% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
90.00% |
|
|
98.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
98% LVR available only to first home buyers, otherwise maximum LVR is 95%. |
|
|
First home buyer can apply for first home buyers package with waived home loan establishment fee. 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.
|
4.13% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.55% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
4.38% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
4.88% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.28% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$400.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$395.00 |
|
none |
|
|
none |
|
|
90.00% |
|
|
95.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
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.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
Qudos Bank
No Frills Home Loan
2.99% p.a.
2.99% p.a.
$0.00
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.
