Bank First ProductionComplete Home Loan Owner Occupied 1 year fixed LVR <80%
Complete Home Loan Owner Occupied 1 year fixed LVR <80%
At a glance
- Fixed
- 1 yr 6.99%
- Max LVR
- 98%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.99% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 68th lowest of 82, level with one other |
Rates
The one rate Bank First Production publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤80% LVR | 6.99% | 6.55% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, ≤80% LVR | 6.64% | 6.99% | up 0.35 |
Each change is logged the night it appears in the rates Bank First publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
When you take it out1
- Settlement Fee
Costs associated with processing the documentation and settlement of the loan
$595
If a payment is late or fails1
- Arrears Fee
Applies when a loan is 7 and 30 calendar days in arrears
$20 7 days after it's due
When particular things happen2
- Break Cost Fee
Applies when during the fixed term the loan is repaid early, transferred to a variable loan or additional payments exceed $30,000 p.a.
From $0 - Discharge Of Mortgage Fee
$395.00 per Title.
$395
Features
Eligibility and limits
- Minimum age 18
- Residency: Individual applications must be permanent residents and joint accounts require at least one permanent resident as well as additional requirements for the non-residant applicants.
- Amount from $50,000, no maximum
- Maximum LVR 98%
- Available to members only.
Compare it with others
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Published by Bank First under the Consumer Data Right, last changed by them on 16 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.