Firstmac Home Loans

Firstmac is Australia's largest non-bank provider of home loans. Over the past 35 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.

Variable Rate
Our variable rate loan offers a competitive interest rate and you can choose from a number of great features, such as 100% redraw offset facility 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. 


Product Features

Principal and Interest
Pay off your home sooner by choosing to pay Principal and Interest. Speak to your Broker about packaging your Principal and Interest owner-occupied loan with your investment loan, and secure yourself a great deal for both. 

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. 

Redraw Offset Facility
Our variable rate product can come with 100% redraw offset facility, along with a VISA Debit Card. The redraw offset facility 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. 

For more information on any of the Firstmac home loan products, contact your Mortgage Broker. 

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
  • Free, unlimited 100% redraw offset facility for variable loans*
  • Free VISA Debit Card*
  • No ongoing monthly or annual fees

* Only available on some products. Lending criteria, fees, charges and conditions apply.  Full terms and conditions will be included in our loan offer.  This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness before acting on it.   The products and services described on this website are available only in Australia.   Management of all loans is carried out by Firstmac Limited ACN 094 145 963 Australian Credit Licence 290600