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Bank First

Every product Bank First publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 240960, held by Victoria Teachers Limited; credit licence since 30 July 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetBank First hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

177 products in 5 categories

  1. Home loans137
  2. Savings & transaction accounts15
  3. Term deposits15
  4. Personal loans8
  5. Credit cards2

Bank First's rates today

Bank First's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Bank First sits among every institution's best

Bank First Production 6.34%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateBank FirstBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%Basic Home Loan Variable LVR 70-80%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.84%Premier Package Home Loan Owner Occupied 3 year fixed LVR <80%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.30%Bonus Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans9.64%Personal Loan Personal Lending 1-5 Years Fixed Unsecured5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers11.49%Platinum Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Bank First home loan repayments

Repayments at Bank First's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableBasic Home Loan Variable LVR 70-80%
    6.34%6.39% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixedPremier Package Home Loan Owner Occupied 1 year fixed LVR <80%
    6.89%6.87% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  3. 2-year fixedPremier Package Home Loan Owner Occupied 2 year fixed LVR <80%
    6.89%6.91% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  4. 3-year fixedPremier Package Home Loan Owner Occupied 3 year fixed LVR <80%
    6.84%6.94% comparison
    $3,928a month

    $813,918 in interest, $1,413,918 repaid in all

  5. 5-year fixedPremier Package Home Loan Owner Occupied 5 year fixed LVR <80%
    6.79%6.98% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  6. Investor variableBasic Investment Loan Variable LVR 70-80%
    6.49%6.54% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Bank First's own calculator: confirm the rate with Bank First before you apply.

Bank First home loan rates

Compare across banks

137 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.39%, on its Basic Home Loan Variable LVR 70-80%: 39th lowest of 104 lenders, level with 10 others.

Bank First savings and transaction account rates

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15 products

Its highest savings rate is up to 5.30% (0.05% base plus a 5.25% bonus when its conditions are met), on its Bonus Saver Account: 21st highest of 84 institutions, level with 2 others.

Bank First term deposit rates

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15 products

Bank First credit card rates

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2 products

Its lowest credit card purchase rate is 11.49%, on its Platinum Credit Card: 12th lowest of 51 card issuers, level with one other.

Bank First personal loan rates

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8 products

Its lowest advertised personal loan rate is 6.79% fixed, with a comparison rate of 7.06%, on its New Car Loan Personal Lending 1-5 Years Fixed Unsecured: 27th lowest of 69 lenders, level with one other.

Rate changes since 18 Sept 2026How every lender responded

Has Bank First passed on the RBA's November 2026 rate rise?

Bank First hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Tue 3 Nov

  2. Sat 17 Oct

  3. Fri 9 Oct

  4. Thu 8 Oct

Published by Bank First under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.