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Firstmac home loans
Firstmac is a privately-owned lender that has been in business for more than 40 years. Over that time, it has grown from a small family business to become one of Australia's leading non-bank lenders. In that time, it has provided more than 130,000 home loans and currently manages $13 billion in mortgages and $300 million in cash investments.
Focused on bringing simple and affordable financial products to market, Firstmac offers home and investment loans, residential SMSF loans, car loans, and term deposits.
Personal Finance Editor
Content updated
Product data updated
Why choose Firstmac
Firstmac Home Loans
Loan amount
Minimum deposit
Loan type & Term
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6.03%
6.08%
$2,261
Australian Credit Licence 290600
Fees & charges apply
Owner Occupier Package
- Owner Occupied
- Variable
- 20% min deposit
- P&I
6.04%
6.09%
$2,264
Australian Credit Licence 290600
Fees & charges apply
Basic Variable Home Loan
- Owner Occupied
- Variable
- 30% min deposit
- P&I
5.94%
6.11%
$2,242
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan
- Owner Occupied
- Fixed 5 years
- 10% min deposit
- P&I
6.14%
6.16%
$2,285
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan
- Owner Occupied
- Fixed 2 years
- 10% min deposit
- P&I
6.14%
6.16%
$2,285
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan
- Owner Occupied
- Fixed 3 years
- 10% min deposit
- P&I
6.24%
6.17%
$2,307
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan
- Owner Occupied
- Fixed 1 year
- 10% min deposit
- P&I
6.13%
6.18%
$2,283
Australian Credit Licence 290600
Fees & charges apply
Package Offset Home Loan
- Owner Occupied
- Variable
- 20% min deposit
- P&I
6.14%
6.19%
$2,285
Australian Credit Licence 290600
Fees & charges apply
Basic 80 P&I (Broker Special)
- Owner Occupied
- Variable
- 20% min deposit
- P&I
6.64%
6.21%
$1,937
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan 80
- Owner Occupied
- Fixed 1 year
- 20% min deposit
- Interest Only
6.34%
6.24%
$2,328
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan
- Owner Occupied
- Fixed 4 years
- 10% min deposit
- P&I
6.54%
6.24%
$1,908
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan 80
- Owner Occupied
- Fixed 2 years
- 20% min deposit
- Interest Only
6.54%
6.27%
$1,908
Australian Credit Licence 290600
Fees & charges apply
Fixed Home Loan 80
- Owner Occupied
- Fixed 3 years
- 20% min deposit
- Interest Only
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
Total interest
$0
Total repayments
$0
- All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
- The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
- At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
- The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
- One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
- The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
- After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.
Firstmac customer service
Home loan customers can contact Firstmac through a number of channels. The lender has a general Australia-based customer assistance phone line for any enquiries and can also be contacted via email, or via online chat on the Firstmac website.
- Customer service centre (phone)
- Mobile app
- Online banking
- Live Chat
How to apply for a Firstmac home loan
Firstmac provides potential customers with a number of options when applying for a home loan, including an online application form, phone applications, or applying in person at their office.
Before applying for any home loan, calculate how much money you can afford to borrow and comfortably repay, given your financial situation and income.
You will also need to provide documentation when applying for a home loan, such as:
- Personal identification documents
- Proof of income and type of employment
- Proof of other income and assets
- Details of current debts and liabilities
- Personal insurance documents
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.