Owner occupier rates

    
  
OO & INV BundleOO & INV Bundle
Principal & Interest
Interest only
Max LVR
Standard Bundle 80~
5.68% p.a.
—
80%

            ~Bundle an owner occupied and investment loan to get a lower rate for both.
          

    Simple
  
Simple VariableSimple Variable
Principal & Interest
Interest only
Max LVR
Simple 70
5.69% p.a.
—
70%
Simple 80
5.79% p.a.
—
80%
Simple 90
6.19% p.a.
—
90%

    Standard
  
Standard VariableStandard Variable
Principal & Interest
Interest only
Max LVR
Standard 70
5.79% p.a.
6.24% p.a.
70%
Standard 80
5.89% p.a.
6.24% p.a.
80%
Standard 90
6.29% p.a.
—
90%
Standard FixedStandard Fixed
Principal & Interest
Interest only~~
Max LVR
Standard Fixed 1 year
6.14% p.a.
6.54% p.a.
90%
Standard Fixed 2 year
6.24% p.a.
6.64% p.a.
90%
Standard Fixed 3 year
6.34% p.a.
6.74% p.a.
90%
Standard Fixed 4 year
6.64% p.a.
7.04% p.a.
90%
Standard Fixed 5 year
6.74% p.a.
7.14% p.a.
90%

            ~~Interest only up to 80% LVR.
          
ConstructionConstruction
Principal & Interest
Interest only
Max LVR
Construction 80
—
6.69% p.a.
80%
Construction 90
—
6.89% p.a.
90%
Choice ProductsChoice Products
Principal & Interest
Interest only
Max LVR
Bridging Finance
-
7.75%+
80%
Zip Home Loan
5.94% p.a.
-
90%

            +During the Bridging period the interest rate is 7.75%, fixed. After the Bridging period, the interest rate will revert to 5.68%, variable.
          

Investor rates

    
  
OO & INV BundleOO & INV Bundle
Principal & Interest
Interest only
Max LVR
Standard Bundle 80~
5.89% p.a.
6.28% p.a.
80%

            ~Bundle an owner occupied and investment loan to get a lower rate for both.
          

    Simple
  
Simple VariableSimple Variable
Principal & Interest
Interest only
Max LVR
Simple 70
5.89% p.a.
-
80%
Simple 80
5.89% p.a.
-
80%
Simple 90
6.29% p.a.
-
90%

    Standard
  
Standard VariableStandard Variable
Principal & Interest
Interest only
Max LVR
Standard 70
5.99% p.a.
6.39% p.a.
80%
Standard 80
5.99% p.a.
6.39% p.a.
80%
Standard 90
6.39% p.a.
6.69% p.a.
90%
Standard FixedStandard Fixed
Principal & Interest
Interest only~~
Max LVR
Standard Fixed 1 year
6.34% p.a.
6.74% p.a.
90%
Standard Fixed 2 year
6.44% p.a.
6.84% p.a.
90%
Standard Fixed 3 year
6.54% p.a.
6.94% p.a.
90%
Standard Fixed 4 year
6.84% p.a.
7.24% p.a.
90%
Standard Fixed 5 year
6.94% p.a.
7.34% p.a.
90%

            ~~Interest only up to 80% LVR
          
ConstructionConstruction
Principal & Interest
Interest only
Max LVR
Construction 80
—
6.79% p.a.
80%
Construction 90
—
6.99% p.a.
90%
Choice ProductsChoice Products
Principal & Interest
Interest only
Max LVR
Ex-Pat Variable#
6.98% p.a.
7.18%
80%

            #Ex-Pat only available for Non-resident
          
SMSF^SMSF^
SMSF Residential
SMSF Commercial
SMSF 70
6.49% p.a.
6.94% p.a.
SMSF 80
6.99% p.a.
7.24% p.a.
SMSF 80 (Fixed 2 years)
6.69% p.a.
7.69% p.a.
SMSF 80 (Fixed 3 years)
6.79% p.a.
7.79% p.a.
SMSF 80 (Fixed 5 years)
7.19% p.a.
8.19% p.a.

            ^SMSF is available for investment purposes and principal and interest repayments only
          

    Possible investor combinations
  
OO + INVOO + INV
Owner Occupied
Investor
Combination 1
5.68% p.a
 OO Bundle 
Standard 80 P&I
5.89% p.a
 Investor Bundle 
Standard 80 P&I
Combination 2
5.68% p.a
 OO Bundle 
Standard 80 P&I
6.28% p.a
 Investor Bundle 
Standard 80 IO

Home loan brochures

Home Loan
SMSF Loan
Bridging Home Loan

Firstmac is a proudly Australian-owned and run company that has been in business for more than 40 years.

Helping people at the heart of everything we do

We are real people, not robots or a faceless corporation

We specialise in simple, affordable and competitive financial products.

Firstmac is a proudly Australian-owned and run company that has been in business for more than 40 years.

Helping people at the heart of everything we do

We are real people, not robots or a faceless corporation

We specialise in simple, affordable and competitive financial products.

Owner occupier rates

OO & INV Bundle

Simple

Simple Variable

Standard

Standard Variable

Standard Fixed

Construction

Choice Products

Investor rates

OO & INV Bundle

Simple

Simple Variable

Standard

Standard Variable

Standard Fixed

Construction

Choice Products

SMSF^{^}

Possible investor combinations

OO + INV

Home loan brochures

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