Variable
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.
Fixed
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.
Construction
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.
We’re a family business
We have grown from a small family business to become Australia's leading non-bank lender. Over time we have provided 130,000 home loans to customers all around Australia.
Continue readingKey Features
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.
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.
Investors & home owners
Home loans are available for both owner occupied and investment purposes.
Borrow up to 90% of the property value*
$0 fees
There are no ongoing or annual fees for our home loans.
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
$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.
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 1.00% discount for 5 years for buying or building an energy-efficient home with our Green Home Loan.
Featured home Loans
Home Loans
A low home loan rate that comes with an interest-free $5,000 limit visa debit card^.
ZIP Home Loan
Home Loans
Get up to 1.00% discount on your home loan rate for a qualifying green home loan**.
Green Home Loan
Home Loans
Get a discount on your home loan rate when you have solar panels.
Solar Home Loan
Home loan broker?
Get accredited with Firstmac
We’re an Australian owned company, with more than 40 years experience, and over $15 billion in mortgages under management.
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Customer reviews
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Rose from customer service assisted me on my first finance payment recently, she was friendly and helpful. She is a great asset to the team and represented Firstmac to a high standard. Thank you!„
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I recently had the pleasure of dealing with Firstmac, and I can't say enough about what a great experience I had! I had a few questions about their products/services, and they took the time to provide thorough answers, offering personalised recommendations that truly suited my needs. Their knowledge and enthusiasm were evident, which made my decision-making process so much easier.„
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I recently dealt with Firstmac, and I couldn't be more impressed with the experience! The entire process was incredibly easy and seamless from start to finish. They offer competitive rates and a wide range of products, making them an excellent choice even as a non-conforming bank. A special shoutout to Kelly Wright, who was absolutely fantastic to deal with. I highly recommend Firstmac to anyone looking for great service and tailored financial solutions!„
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