Firstmac Home Loan Rates
Firstmac lifted its variable home-loan rates by 0.25 percentage points from 7 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Firstmac is one of Australia's largest non-bank lenders, founded in 1979 and headquartered in Brisbane. Backed by securitised funding, Firstmac runs its own home-loan brand plus the loans.com.au online brand. Fixed and variable products focus on prime owner-occupiers, with consistently sharp pricing on lower-LVR refinancers.
What are Firstmac home loan rates?
Ratesniffers compares Firstmac home loan products by comparison rate. Compare Firstmac's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Firstmac against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
How many home loan products does Firstmac offer?
Ratesniffers currently tracks 69 Firstmac home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 42 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Firstmac home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.58% p.a. | 80% |
| Variable Owner-occupier P&I | 6.59% p.a. | 70% |
| Variable Owner-occupier P&I | 6.69% p.a. | 70% |
| Variable Owner-occupier P&I | 6.69% p.a. | 80% |
| Variable Investor P&I | 6.79% p.a. | 80% |
| Variable Owner-occupier P&I | 6.79% p.a. | 80% |
| Variable Investor P&I | 6.79% p.a. | 70% |
| Variable Owner-occupier P&I | 6.79% p.a. | 90% |
| Variable Investor interest-only | 6.89% p.a. | 80% |
| Variable Investor P&I | 6.89% p.a. | 70% |
| Variable Investor P&I | 6.89% p.a. | 80% |
| Variable Investor interest-only | 6.99% p.a. | 70% |
42 of 69 tracked Firstmac home loan products
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Firstmac home loan repayment calculator
Enter an interest rate from your actual offer or choose a rate to model. The starting 0% input is a placeholder, not a Firstmac quote. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Firstmac?
Firstmac is Australia's largest privately owned non-bank lender, a Brisbane-based family-owned business with more than 46 years of history, over $21 billion in mortgages under management and more than $40 billion in residential mortgage-backed securities issued since 2003. It also owns and funds the online lender loans.com.au.
Unlike the specialist non-banks, Firstmac's focus is prime lending: clean-file borrowers at sharp rates, distributed through brokers under its own brand and direct through loans.com.au.
Who suits a Firstmac home loan?
Firstmac tends to suit rate-focused borrowers with straightforward applications who want non-bank pricing without the specialist premium. As a non-bank it offers no deposit accounts and its credit appetite favours clean scenarios. Compare it against the table above.
Background facts checked 28 August 2026. Rates above refresh independently.
Firstmac fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $550
- Settlement fee
- $300
- Additional valuation fee
- $0
- Rate lock fee
- $350 (mandatory for all 5 year fixed rate products)
- Loan portability
- $0
- Offset account
- 100%
- Minimum offset balance
- No minimum
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- Maximum LVR 90% inclusive of LMI premium capitalised
- Maximum total lending
- Max loan amount $2M, additional criteria / restrictions apply for loans > $1M with single security, refer to…
- Extra repayments on fixed
- $10,000 p.a.
- When the fixed rate is locked
- Payment of lock fee
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.