FirstmacStandard Fixed Home Loan
Firstmac’s Standard Fixed Home Loan provides certainty with fixed rate options ranging from 1 to 5 years. Borrow up to $3,000,000 (up to 90% LVR) and make additional repayments of up to $10,000 per year, with principal and interest or interest only repayment options and no ongoing fees.
Also sold at the same rates and fees as LJ Hooker Home Loans.
At a glance
- 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
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 | 7.24% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 81 institutions | 72nd lowest of 81 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.24% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.59%of 83 institutions | 72nd lowest of 83 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.24% | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions | 67th lowest of 79, level with one other |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.54% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.79%of 62 institutions | 57th lowest of 62 |
Rates
Every rate Firstmac publishes for this home loan, 20 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%7.24%
- 2 yrs fixedtypical 6.59%7.24%
- 3 yrs fixedtypical 6.69%7.24%
- 4 yrs fixed7.54%
- 5 yrs fixedtypical 6.79%7.54%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤80% LVR | 7.84% | 7.14% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤80% LVR | 7.84% | 7.22% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤80% LVR | 7.84% | 7.30% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤80% LVR | 8.14% | 7.48% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤80% LVR | 8.14% | 7.59% | - |
| Fixed | Investment, P&I | 1 yr fixed | ≤90% LVR | 7.44% | 7.10% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤90% LVR | 7.44% | 7.14% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤90% LVR | 7.44% | 7.18% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤90% LVR | 7.74% | 7.34% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤90% LVR | 7.74% | 7.42% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | ≤80% LVR | 7.64% | 6.94% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | ≤80% LVR | 7.64% | 7.02% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | ≤80% LVR | 7.64% | 7.09% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | ≤80% LVR | 7.94% | 7.27% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | ≤80% LVR | 7.94% | 7.38% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤90% LVR | 7.24% | 6.90% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤90% LVR | 7.24% | 6.94% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤90% LVR | 7.24% | 6.98% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | ≤90% LVR | 7.54% | 7.13% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | ≤90% LVR | 7.54% | 7.22% | - |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $3502 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $3002 fees, each listed below
When you take it out2
- Application Fee
No application fee is charged when setting up the loan.
No fee - Rate Lock Fee
Fixed Rate Lock Fee allows borrowers to lock in the fixed rate for 90 days, protecting against potential rate increases until settlement; compulsory for 5-year fixed terms and optional for other fixe…
$350
When particular things happen4
- Break Cost Administration Fee
Fixed Break Cost Administration Fee charged when a borrower breaks their fixed rate period, covering the administration of processing the break request, charged in addition to the Fixed Rate Break Co…
$150 - Documentation Fee
A fee charged for preparing and processing the loan documentation required for settlement.
$300 - Settlement Fee
A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan.
$300 - Valuation Fee
A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount.
From $221
When you close it or pay it off2
- Discharge Administration Fee
A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term.
$300 - Discharge Documentation Fee
A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term.
$250
Features
Eligibility and limits
- Minimum age 18
- Residency: Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
- Amount $50,000 to $3,000,000
- The loan term must be at least 15 years.
- The loan term cannot exceed 30 years.
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Published by Firstmac under the Consumer Data Right, last changed by them on 7 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.