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Our variable rate loans offer 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.

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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.

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Construction loans 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, only paying interest on the amount drawn during the construction period.

Key Features

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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.

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Flexible repayments

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

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.

We offer flexible principal and interest repayment schedules for our home loans on principal and interest repayments, including weekly, fortnightly, or monthly options.

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Investors & home owners

Home loans are available for both owner occupied and investment purposes.

Borrow up to 90% of the property value*

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$0 fees

There are no ongoing or annual fees for our home loans.

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Redraw facility

An unlimited redraw facility is available on variable rate loans.

Unlimited 24 hour, 7 days a week, access to your account online and by phone

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$5k Visa Debit card

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

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Discounted ‘green’ rate

Firstmac is committed to the long-term sustainability of housing in Australia, so we offer a special Green Home Loan to help you take action against Climate Change. Get a lower upfront interest rate and up to 1.05% discount for 5 years for buying or building an energy-efficient home with our Green Home Loan.

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