Firstmac
Firstmac Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.33%p.a.
Comparison*
6.37%p.a.
Monthly repayment
$3,105
LVR ≤80%
Firstmac Home Loan Rates
Active products
16
Lowest variable
6.33%
Lowest fixed
7.34%
Lowest comparison
6.37%
Last updated
28 July 2026
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 is the lowest Firstmac home loan rate?
The lowest Firstmac variable home loan rate Ratesniffers tracks is 6.33% p.a., and the lowest fixed rate is 7.34% p.a. These figures come from the 2 Firstmac products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Firstmac offer?
Ratesniffers currently tracks 2 Firstmac home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.33% p.a. | 6.37% p.a. | 95% |
| Variable Investor P&I | 6.54% p.a. | 6.58% p.a. | 95% |
2 Firstmac home loan products
Firstmac
Firstmac Variable Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
Negotiate Firstmac rates with a broker
Advertised rates aren't always the rate Firstmac actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Firstmac?
Firstmac is Australia's largest privately owned non-bank lender, a Brisbane-based family-owned business with more than 40 years of history, over $12 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; its direct arm loans.com.au often carries the same lending at online pricing, so compare both against the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Firstmac home loans: frequently asked questions
What is the lowest Firstmac home loan rate?
Firstmac's lowest variable home loan rate is currently 6.33% p.a., and its lowest fixed rate is 7.34% p.a., based on the 2 Firstmac products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Firstmac approves, a broker can often negotiate a sharper deal on your scenario.
How does Firstmac's home loan rate compare to the market?
Firstmac's lowest variable home loan rate today is 6.33% p.a., which is 24 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Firstmac to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Firstmac sits right now rather than a fixed snapshot.
How many home loan products does Firstmac offer?
Ratesniffers currently tracks 16 Firstmac home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 2 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Firstmac competitive for refinancing?
It depends on your loan size and LVR. Firstmac's lowest comparison rate is currently 6.37% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Firstmac against the sharpest available rate usually pays off.
How often are Firstmac's home loan rates updated?
Ratesniffers refreshes Firstmac's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Firstmac reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
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