Bank First Standard Fixed Home Loan

This product is available in different versions. Pick the right version for you here.

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, interest only loan of at least $50,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest, interest only loan of at least $50,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • 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, Interest Only)

    LVR < 80%

    Loan: $50,000

  • Investor (Principal & Interest, Interest Only)

    LVR 80%-90%

    Loan: $50,000

  • Investor (Principal & Interest, Interest Only)

    LVR 90%-95%

    Loan: $50,000

3.39% p.a.

3.90% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.39% p.a.

3.90% p.a.

$0.00

3.39% p.a.

4.05% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.39% p.a.

4.05% p.a.

$0.00

3.39% p.a.

4.12% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.39% p.a.

4.12% p.a.

$0.00

3.64% p.a.

4.33% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.64% p.a.

4.33% p.a.

$0.00

3.64% p.a.

4.48% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.64% p.a.

4.48% p.a.

$0.00

3.64% p.a.

4.55% p.a.

$0.00

Bank First Standard Fixed Home Loan

3.64% p.a.

4.55% p.a.

$0.00

Details

Rates and fees information correct as at 21 November 2019. 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

  • 3.39% (4.01%*)

  • 3.39% (3.95%*)

  • 3.39% (3.90%*)

  • 3.54% (3.91%*)

  • 3.59% (3.89%*)

  • n/a

  • n/a

  • 4.02% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • none

  • First home buyer can apply for first home buyers package with waived home loan establishment fee.

  • 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 21 November 2019. 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

  • 3.39% (4.19%*)

  • 3.39% (4.12%*)

  • 3.39% (4.05%*)

  • 3.54% (4.04%*)

  • 3.59% (4.01%*)

  • n/a

  • n/a

  • 4.22% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • none

  • First home buyer can apply for first home buyers package with waived home loan establishment fee.

  • 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 21 November 2019. 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

  • 3.39% (4.28%*)

  • 3.39% (4.20%*)

  • 3.39% (4.12%*)

  • 3.54% (4.10%*)

  • 3.59% (4.07%*)

  • n/a

  • n/a

  • 4.32% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • 90.00%

  • 98.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • 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.

  • 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 21 November 2019. 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

  • 3.69% (4.49%*)

  • 3.69% (4.42%*)

  • 3.64% (4.33%*)

  • 3.79% (4.32%*)

  • 3.84% (4.29%*)

  • n/a

  • n/a

  • 4.52% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • none

  • none

  • 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 21 November 2019. 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

  • 3.69% (4.67%*)

  • 3.69% (4.58%*)

  • 3.64% (4.48%*)

  • 3.79% (4.45%*)

  • 3.84% (4.40%*)

  • n/a

  • n/a

  • 4.72% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • none

  • none

  • 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 21 November 2019. 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

  • 3.69% (4.76%*)

  • 3.69% (4.66%*)

  • 3.64% (4.55%*)

  • 3.79% (4.51%*)

  • 3.84% (4.46%*)

  • n/a

  • n/a

  • 4.82% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • none

  • 90.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • $500.00

  • yes

  • no

  • none

  • none

  • 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 customer rating
8.9/10
Price
8.5/10
Features
8.0/10
Customer service
9.2/10
Convenience
7.7/10
Trust
9.2/10

Latest reviews of Bank First Standard Fixed Home Loan

  • Overall
    8/10
    Very competitive rates, few extra charges

    We have been with the VTMB for quite a few years now and have found them very good to work with...

    We have been with the VTMB for quite a few years now and have found them very good to work with both from a financial point of view and certainly for customer service.

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

    Shane | Victoria

    reviewed almost 5 years ago

  • Overall
    9/10
    excellent customer service,easy to deal with

    like this product ,easy to organise payments ,low interest

    like this product ,easy to organise payments ,low interest

    Price
    7/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10

    Dave | Victoria

    reviewed over 7 years ago

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.

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*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.