Firstmac
Every product Firstmac publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 23 Oct 2026.
- Australian credit licence and AFS licence 290600, held by Firstmac Limited; credit licence since 9 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
15 products in 2 categories
Firstmac's rates today
Firstmac's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where Firstmac sits among every institution's best
| Rate | Firstmac | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.58%Standard Variable Bundle Home Loan | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.24%Standard Fixed Home Loan | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 8.94%Secured Asset Variable Loan (Dealer) | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
Firstmac home loan repayments
Repayments at Firstmac's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- 6.58%6.64% comparison$3,824a month
$776,651 in interest, $1,376,651 repaid in all
- 1-year fixedStandard Fixed Home Loan7.24%6.90% comparison$4,089a month
$872,036 in interest, $1,472,036 repaid in all
- 2-year fixedStandard Fixed Home Loan7.24%6.94% comparison$4,089a month
$872,036 in interest, $1,472,036 repaid in all
- 3-year fixedStandard Fixed Home Loan7.24%6.98% comparison$4,089a month
$872,036 in interest, $1,472,036 repaid in all
- 5-year fixedStandard Fixed Home Loan7.54%7.22% comparison$4,212a month
$916,224 in interest, $1,516,224 repaid in all
- Investor variableStandard Variable Bundle Home Loan6.79%6.85% comparison$3,908a month
$806,720 in interest, $1,406,720 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 Firstmac's own calculator: confirm the rate with Firstmac before you apply.
Firstmac home loan rates
Compare across lenders11 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.58%, with a comparison rate of 6.64%, on its Standard Variable Bundle Home Loan: 76th lowest of 102 lenders.
- Alt Doc Home Loan
- Variable (owner occ. P&I)
- 6.99%, 7.05% comparison
- Variable (investor P&I)
- 7.19%
- Max LVR
- 80%
- Alt Doc Plus Fixed Home Loan
- Fixed
- 1 yr 7.64%, 2 yrs 7.64%, 3 yrs 7.64%, 4 yrs 7.94%, 5 yrs 7.94%
- Max LVR
- 80%
- Features
- extra repayments
- Alt Doc Plus Variable Home Loan
- Variable (owner occ. P&I)
- 7.09%, 7.15% comparison
- Variable (investor P&I)
- 7.29%
- Max LVR
- 80%
- Bridging Home Loan
- Max LVR
- 80%
- Features
- extra repayments
- Construction Home Loan
- Max LVR
- 90%
- Features
- extra repayments
- Expat Home Loan
- Variable (investor P&I)
- 7.98%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Simple Home Loan
- Variable (owner occ. P&I)
- 6.59%, 6.65% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 90%
- SMSF Home Loan
- Variable (investor P&I)
- 7.34%
- Max LVR
- 80%
- Features
- extra repayments
- Standard Fixed Home Loan
- Fixed
- 1 yr 7.24%, 2 yrs 7.24%, 3 yrs 7.24%, 4 yrs 7.54%, 5 yrs 7.54%
- Max LVR
- 90%
- Features
- extra repayments
- Standard Variable Bundle Home Loan
- Variable (owner occ. P&I)
- 6.58%, 6.64% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 80%
- Standard Variable Home Loan
- Variable (owner occ. P&I)
- 6.69%, 6.75% comparison
- Variable (investor P&I)
- 6.89%
- Max LVR
- 90%
Firstmac personal loan rates
Compare across lenders4 products
Its lowest advertised personal loan rate is 8.94% variable, with a comparison rate of 10.21%, on its Secured Asset Variable Loan (Dealer): 61st lowest of 69 lenders.
- Secured Asset Fixed Loan (Dealer)
- Fixed
- 9.14%, 10.41% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $499
- Secured Asset Fixed Loan (Private Sale)
- Fixed
- 9.14%, 10.41% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $599
- Secured Asset Variable Loan (Dealer)
- Variable
- 8.94%, 10.21% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $499
- Secured Asset Variable Loan (Private Sale)
- Variable
- 8.94%, 10.21% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $599
Every published rate Firstmac has changed.
Tue 20 Oct
Firstmac cut 1 fixed home loan rate by 0.25 percentage points.
0.25
Published by Firstmac under the Consumer Data Right, last changed by them on 23 Oct 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.