Firstmac Home Loan Rates - April 2025

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.

Minimum deposit

Loan type & Term

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

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
Email
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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Firstmac customer service

Customer service centre (phone)
Mobile app
Online banking
Email
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

Share this page

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

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.

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

Firstmac home loans

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Your estimated mortgage repayments

Owner Occupier Package

Basic Variable Home Loan

Fixed Home Loan

Fixed Home Loan

Fixed Home Loan

Fixed Home Loan

Package Offset Home Loan

Basic 80 P&I (Broker Special)

Fixed Home Loan 80

Fixed Home Loan

Fixed Home Loan 80

Fixed Home Loan 80