Firstmac Home Loans

Firstmac is Australia's largest non-bank provider of home loans. Over the past 40 years we have written over 130,000 home loans for a huge variety of borrowers and properties.

We offer loans with different repayment options including variable rate, fixed rate, construction loans and interest only loans, to both home buyers and investors.

With low rates and great features, there is bound to be a Firstmac home loan that is right for you.

Variable Rate

Our variable rate loan offers a competitive interest rate and you can choose from a number of great features, such as 100% offset sub-account along with a linked VISA Debit Card that could help you save money.

Fixed Rate

Our fixed rate loans give you the certainty of knowing what your repayments will be for one, two, or three years, safeguarding you against any increase in interest rates. This does mean that if the RBA decides to reduce the cash rate, you miss out on the reduction that Firstmac passes on to clients.

Construction loan

A construction loan can be used to provide finance when you are building a house, completing a major renovation or demolishing and rebuilding. It allows you to progressively draw down on the loan in stages, so you only pay interest on the amount drawn during the construction period.

Principal and Interest

Firstmac is Australia's largest non-bank provider of home loans. Over the past 40 years we have written over 100,000 home loans for a huge variety of borrowers and properties.

We offer loans with different repayment options including variable rate, fixed rate, construction loans and interest only loans, to both home buyers and investors.

With low rates and great features, there is bound to be a Firstmac home loan that is right for you.

Offset Sub-account

Our variable rate product can come with 100% offset sub-account, along with a VISA Debit Card. The offset sub-account can help you save on the interest that you can pay on your loan. The visa debit card provides convenience for you to access cash through ATMs, EFTPOS machines and even to make purchases online.

There are many benefits to this great loan. Please note the 'offset' is a sub-account of the loan and not a separate deposit account. As such, the funds in the 'offset' are not covered by the government guarantee for deposit accounts. Also, the ‘offset' amount cannot have a credit balance, that is, be greater than the amount in your home loan. Our friendly team are always here to help if you have any questions on the operation of your offset sub-account.

Interest Only

Our interest only loan lets you pay off just the interest on the loan each month, instead of paying both principal and interest like a standard loan. This frees up money for other things.

ZIP Visa card

Get a Visa Debit Card with a $5000 limit that will operate like a line of credit with our ZIP Home Loan.

Home Loan Features
  • Home loans available for both personal and investment purposes
  • Borrow up to 90% of the property value*
  • Unlimited 24 hour, 7 days a week, access to your account online and by phone
  • Flexible payment options- monthly, fortnightly or weekly on your Principal and Interest loan
  • 100% Offset sub-account
  • Free unlimited redraw available
  • Free VISA Debit Card*
  • No ongoing monthly or annual fees