Firstmac · Variable · Updated November 2026

Firstmac Variable Home Loans, November 2026

Firstmac lists 22 variable home loans in the Ratesniffers index today. The lowest is 6.58% p.a., on Standard Bundle Variable <80% LVR Owner Occupied P&I (Inv & OO Bundle). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Firstmac variable home loan rates, November 2026

FirstmacStandard Bundle Variable <80% LVR Owner Occupied P&I (Inv & OO Bundle)

VariableOffsetRedraw

Interest

6.58%p.a.

Comparison*

Not available

Est. repayment

$3,187

LVR ≤80%

Enquire

FirstmacSimple <70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤70%

Enquire

FirstmacStandard Variable <70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤70%

Enquire

FirstmacSimple 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 70 to 80%

Enquire

FirstmacStandard Bundle Variable <80% LVR Investment P&I (Inv & OO Bundle)

VariableOffsetRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤80%

Enquire

FirstmacStandard Variable 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 70 to 80%

Enquire

FirstmacSimple <70% LVR Investment P&I

VariableRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤70%

Enquire

FirstmacSimple 80% - 90% LVR Owner Occupied P&I

VariableRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 80 to 90%

Enquire

FirstmacStandard Bundle Variable <80% LVR Investment IO (Inv & OO Bundle)

VariableOffsetRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. interest only / month

$2,871

LVR ≤80%

Based on a $500,000 balance

Enquire

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.

FirstmacStandard Variable <70% LVR Investment P&I

VariableOffsetRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

FirstmacSimple 70% - 80% LVR Investment P&I

VariableRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 70 to 80%

Enquire

FirstmacStandard Variable <70% LVR Investment IO

VariableOffsetRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. interest only / month

$2,913

LVR ≤70%

Based on a $500,000 balance

Enquire

FirstmacStandard Variable 70% - 80% LVR Investment P&I

VariableOffsetRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 70 to 80%

Enquire

FirstmacSimple 80% - 90% LVR Investment P&I

VariableRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 80 to 90%

Enquire

FirstmacStandard Variable 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR 70 to 80%

Based on a $500,000 balance

Enquire

FirstmacStandard Variable <70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

7.14%p.a.

Comparison*

Not available

Est. interest only / month

$2,975

LVR ≤70%

Based on a $500,000 balance

Enquire

FirstmacStandard Variable 80% - 90% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 80 to 90%

Enquire

FirstmacStandard Variable 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

7.24%p.a.

Comparison*

Not available

Est. interest only / month

$3,017

LVR 70 to 80%

Based on a $500,000 balance

Enquire

FirstmacStandard Variable 80% - 90% LVR Investment P&I

VariableOffsetRedraw

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 80 to 90%

Enquire

FirstmacStandard Variable 80% - 90% LVR Investment IO

VariableOffsetRedraw

Interest

7.39%p.a.

Comparison*

Not available

Est. interest only / month

$3,079

LVR 80 to 90%

Based on a $500,000 balance

Enquire

FirstmacEx-Pat Home Loan Investment P&I

VariableOffsetRedraw

Interest

7.98%p.a.

Comparison*

Not available

Est. repayment

$3,662

LVR ≤80%

Enquire

FirstmacEx-Pat Home Loan Investment IO

VariableOffsetRedraw

Interest

8.18%p.a.

Comparison*

Not available

Est. interest only / month

$3,408

LVR ≤80%

Based on a $500,000 balance

Enquire

*Important Information and Comparison Rate Warning

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 · Variable

Firstmac variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.