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Bank First Standard Variable Home Loan

Advertiser disclosure

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

  • 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:

Rate
3.57% p.a.
Comparison Rate
3.62% p.a.
Service fee
$0.00
Upfront fee
$700
Rate
3.77% p.a.
Comparison Rate
3.82% p.a.
Service fee
$0.00
Upfront fee
$700
Rate
3.87% p.a.
Comparison Rate
3.92% p.a.
Service fee
$0.00
Upfront fee
$700
Rate
4.07% p.a.
Comparison Rate
4.12% p.a.
Service fee
$0.00
Upfront fee
$700
Rate
4.27% p.a.
Comparison Rate
4.32% p.a.
Service fee
$0.00
Upfront fee
$700
Rate
4.37% p.a.
Comparison Rate
4.42% p.a.
Service fee
$0.00
Upfront fee
$700

Details

Rates and fees information correct as at 24 January 2021. 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
  • 3.57% p.a.

  • n/a

  • n/a

  • n/a

  • 3.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

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

  • First home buyers 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 24 January 2021. 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
  • 3.77% p.a.

  • n/a

  • n/a

  • n/a

  • 3.82% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • none

  • none

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • none

  • First home buyers 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 24 January 2021. 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
  • 3.87% p.a.

  • n/a

  • n/a

  • n/a

  • 3.92% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • none

  • none

  • 90.00%

  • 98.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

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

  • First home buyers 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 24 January 2021. 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
  • 4.07% p.a.

  • n/a

  • n/a

  • n/a

  • 4.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

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

  • 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 24 January 2021. 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
  • 4.27% p.a.

  • n/a

  • n/a

  • n/a

  • 4.32% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • none

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • 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 24 January 2021. 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
  • 4.37% p.a.

  • n/a

  • n/a

  • n/a

  • 4.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $400.00

  • n/a

  • $0.00

  • $395.00

Other financial bits
  • none

  • none

  • 90.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $500.00

  • yes

  • yes

  • 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
8.8/10
Price
8.5/10
Features
8.1/10
Customer service
9.2/10
Convenience
7.7/10
Trust
9.1/10

Latest review of Bank First Standard Variable Home Loan

Thumbnail icon for 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.