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Bank First rates

Bank First publishes 176 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.

Bank First's lowest home loan rate is 6.24% on Basic Home Loan Variable LVR<60%, 0.50 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.65% on Strong Start Saver, 1.65 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Bank First repriced 147 products in the last 30 days, most recently lifting Strong Start Saver on 17 October 2026, from 5.40% to 5.65%.

Home loans

ProductAdvertised rateComparison rate
Basic Home Loan Variable LVR<60%6.24%6.29%
Basic Home Loan Variable LVR 60-70%6.29%6.34%
Basic Home Loan Variable LVR 70-80%6.34%6.39%
Complete Home Loan Owner Occupied Variable LVR <60%6.34%6.39%
Premier Package Home Loan Owner Occupied Variable LVR <60%6.34%6.72%
Premier Package Home Loan Owner Occupied Variable LVR 60-70%6.39%6.77%
Basic Investment Loan Variable LVR<60%6.39%6.44%
Complete Home Loan Owner Occupied Variable LVR 60-70%6.39%6.44%
Basic Investment Loan Variable LVR 60-70%6.44%6.49%
Complete Home Loan Owner Occupied Variable LVR 70-80%6.44%6.49%
Premier Package Home Loan Owner Occupied Variable LVR 70-80%6.44%6.82%
Basic Investment Loan Variable LVR 70-80%6.49%6.54%
Complete Home Loan Investment Variable LVR <60%6.49%6.54%
Premier Package Home Loan Investment Variable LVR <60%6.49%6.87%
Complete Home Loan Investment Variable LVR 60-70%6.54%6.59%
Premier Package Home Loan Investment Variable LVR 60-70%6.54%6.92%
Complete Home Loan Investment Variable LVR 70-80%6.59%6.64%
Premier Package Home Loan Investment Variable LVR 70-80%6.59%6.97%
Basic Investment Loan Variable IO LVR<60%6.64%6.55%
Basic Investment Loan Variable IO LVR 60-70%6.69%6.60%
Complete Home Loan Owner Occupied Construction Variable LVR<80% restricted6.69%6.51%
Premier Package Home Loan Owner Occupied Construction Variable LVR<80% restricted6.69%6.85%
Complete Home Loan Investment Variable IO LVR<60%6.74%6.65%
Basic Investment Loan Variable IO LVR 70-80%6.74%6.65%
Premier Package Home Loan Investment Variable IO LVR<60%6.74%6.98%
Complete Home Loan Investment Variable IO LVR 60-70%6.79%6.70%
Premier Package Home Loan Investment Variable IO LVR 60-70%6.79%7.01%
Premier Package Home Loan Owner Occupied 4 year fixed LVR <80%6.79%6.95%
Premier Package Home Loan Owner Occupied 5 year fixed LVR <80%6.79%6.98%
Basic Home Loan Variable LVR 80-90%6.84%6.89%
Complete Home Loan Investment Construction Variable LVR<80% restricted6.84%6.66%
Complete Home Loan Investment Variable IO LVR 70% - 80%6.84%6.75%
Premier Package Home Loan Investment Construction Variable LVR<80% restricted6.84%7.00%
Premier Package Home Loan Investment Variable IO LVR 70% - 80%6.84%7.08%
Premier Package Home Loan Owner Occupied 3 year fixed LVR <80%6.84%6.94%
Complete Home Loan Owner Occupied 4 year fixed LVR <80%6.89%6.66%
Complete Home Loan Owner Occupied 5 year fixed LVR <80%6.89%6.69%
Premier Package Home Loan Owner Occupied 1 year fixed LVR <80%6.89%6.87%
Premier Package Home Loan Owner Occupied 2 year fixed LVR <80%6.89%6.91%
Complete Home Loan Owner Occupied 3 year fixed LVR <80%6.94%6.63%
Complete Home Loan Owner Occupied Variable LVR >80% <90%6.94%6.99%
Complete Home Loan Owner Occupied 1 year fixed LVR <80%6.99%6.55%
Complete Home Loan Owner Occupied 2 year fixed LVR <80%6.99%6.60%
Premier Package Home Loan Investment 1 year fixed LVR <80%7.04%7.02%
Premier Package Home Loan Investment 3 year fixed LVR <80%7.04%7.10%
Premier Package Home Loan Investment 2 year fixed LVR <80%7.09%7.07%
Premier Package Home Loan Investment 4 year fixed LVR <80%7.09%7.16%
Premier Package Home Loan Investment 5 year fixed LVR <80%7.09%7.20%
Basic Investment Loan Variable LVR 80-90%7.14%7.19%
Complete Home Loan Investment 1 year fixed LVR <80%7.14%6.70%
Complete Home Loan Investment 3 year fixed LVR <80%7.14%6.80%
Complete Home Loan Investment 2 year fixed LVR <80%7.19%6.76%
Complete Home Loan Investment 4 year fixed LVR <80%7.19%6.86%
Complete Home Loan Investment 5 year fixed LVR <80%7.19%6.91%
Complete Home Loan Owner Occupied Construction Variable LVR 80-90% restricted7.19%7.02%
Premier Package Home Loan Investment 1 year fixed IO LVR<80%7.19%7.03%
Premier Package Home Loan Investment 3 year fixed IO LVR<80%7.19%7.15%
Complete Home Loan Investment Variable LVR >80% <90%7.24%7.29%
Premier Package Home Loan Investment 2 year fixed IO LVR<80%7.24%7.10%
Premier Package Home Loan Investment 4 year fixed IO LVR<80%7.24%7.21%
Premier Package Home Loan Investment 5 year fixed IO LVR<80%7.24%7.26%
Premier Package Home Loan Owner Occupied 4 year fixed LVR >80% <90%7.25%7.64%
Premier Package Home Loan Owner Occupied 4 year fixed LVR >90%7.25%7.94%
Premier Package Home Loan Owner Occupied 5 year fixed LVR >80% <90%7.25%7.64%
Premier Package Home Loan Owner Occupied 5 year fixed LVR >90%7.25%7.90%
Premier Package Home Loan Owner Occupied Variable LVR >80% <90%7.28%7.65%
Basic Home Loan Variable LVR>90%7.29%7.34%
Complete Home Loan Investment 1 year fixed IO LVR<80%7.29%6.71%
Complete Home Loan Investment 3 year fixed IO LVR<80%7.29%6.84%
Premier Package Home Loan Owner Occupied 1 year fixed LVR 80-90%7.29%7.65%
Premier Package Home Loan Owner Occupied 1 year fixed LVR >90%7.29%8.09%
Premier Package Home Loan Owner Occupied 3 year fixed LVR >80% <90%7.29%7.66%
Premier Package Home Loan Owner Occupied 3 year fixed LVR >90%7.29%8.00%
Complete Home Loan Investment 2 year fixed IO LVR<80%7.34%6.79%
Complete Home Loan Investment 4 year fixed IO LVR<80%7.34%6.92%
Complete Home Loan Investment 5 year fixed IO LVR<80%7.34%6.98%
Premier Package Home Loan Owner Occupied 2 year fixed LVR >80% <90%7.34%7.66%
Premier Package Home Loan Owner Occupied 2 year fixed LVR >90%7.34%8.05%
Complete Home Loan Owner Occupied 4 year fixed LVR >80% <90%7.35%7.14%
Complete Home Loan Owner Occupied 4 year fixed LVR >90%7.35%7.42%
Complete Home Loan Owner Occupied 5 year fixed LVR >80% <90%7.35%7.17%
Complete Home Loan Owner Occupied 5 year fixed LVR >90%7.35%7.42%
Basic Investment Loan Variable IO LVR 80-90%7.39%7.30%
Complete Home Loan Owner Occupied 1 year fixed LVR >80% <90%7.39%7.04%
Complete Home Loan Owner Occupied 1 year fixed LVR >90%7.39%7.44%
Complete Home Loan Owner Occupied 3 year fixed LVR >80% <90%7.39%7.12%
Complete Home Loan Owner Occupied 3 year fixed LVR >90%7.39%7.44%
Complete Home Loan Owner Occupied Variable LVR >90%7.39%7.44%
Complete Home Loan Owner Occupied 2 year fixed LVR >80% <90%7.44%7.09%
Complete Home Loan Owner Occupied 2 year fixed LVR >90%7.44%7.45%
Complete Home Loan Investment Construction Variable LVR 80-90% restricted7.49%7.32%
Complete Home Loan Investment Variable IO LVR 80-90%7.49%7.40%
Premier Package Home Loan Owner Occupied Construction Variable LVR 80-90% restricted7.53%7.68%
Premier Package Home Loan Investment 1 year fixed LVR >80% <90%7.54%8.03%
Premier Package Home Loan Investment 1 year fixed LVR >90%7.54%8.56%
Premier Package Home Loan Investment 2 year fixed LVR >80% <90%7.54%8.02%
Premier Package Home Loan Investment 2 year fixed LVR >90%7.54%8.48%
Premier Package Home Loan Investment 3 year fixed LVR >80% <90%7.59%8.02%
Premier Package Home Loan Investment 3 year fixed LVR >90%7.59%8.43%
Complete Home Loan Investment 1 year fixed LVR >80% <90%7.64%7.33%
Complete Home Loan Investment 1 year fixed LVR >90%7.64%7.91%
Complete Home Loan Investment 2 year fixed LVR >80% <90%7.64%7.37%
Complete Home Loan Investment 2 year fixed LVR >90%7.64%7.89%
Complete Home Loan Owner Occupied Construction Variable LVR>90% restricted7.64%7.47%
Premier Package Home Loan Investment 4 year fixed LVR >80% <90%7.65%8.04%
Premier Package Home Loan Investment 4 year fixed LVR >90%7.65%8.40%
Premier Package Home Loan Investment 5 year fixed LVR >80% <90%7.65%8.03%
Premier Package Home Loan Investment 5 year fixed LVR >90%7.65%8.35%
Premier Package Home Loan Investment Variable LVR >80% <90%7.68%8.05%
Complete Home Loan Investment 3 year fixed LVR >80% <90%7.69%7.42%
Complete Home Loan Investment 3 year fixed LVR >90%7.69%7.88%
Premier Package Home Loan Investment 1 year fixed IO LVR>80%7.69%8.05%
Premier Package Home Loan Investment 2 year fixed IO LVR>80%7.69%8.05%
Premier Package Home Loan Investment 3 year fixed IO LVR>80%7.74%8.07%
Complete Home Loan Investment 4 year fixed LVR >80% <90%7.75%7.48%
Complete Home Loan Investment 4 year fixed LVR >90%7.75%7.89%
Complete Home Loan Investment 5 year fixed LVR >80% <90%7.75%7.52%
Complete Home Loan Investment 5 year fixed LVR >90%7.75%7.88%
Premier Package Home Loan Owner Occupied Variable LVR >90%7.78%8.15%
Basic Investment Loan Variable LVR>90%7.79%7.84%
Complete Home Loan Investment 1 year fixed IO LVR>80%7.79%7.35%
Complete Home Loan Investment 2 year fixed IO LVR>80%7.79%7.40%
Premier Package Home Loan Investment 4 year fixed IO LVR>80%7.80%8.09%
Premier Package Home Loan Investment 5 year fixed IO LVR>80%7.80%8.10%
Complete Home Loan Investment 3 year fixed IO LVR>80%7.84%7.47%
Complete Home Loan Investment Variable LVR >90%7.89%7.94%
Complete Home Loan Investment 4 year fixed IO LVR>80%7.90%7.54%
Complete Home Loan Investment 5 year fixed IO LVR>80%7.90%7.59%
Premier Package Home Loan Investment Construction Variable LVR 80-90% restricted7.93%8.08%
Premier Package Home Loan Investment Variable IO LVR 80-90%7.93%8.16%
Premier Package Home Loan Owner Occupied Construction Variable LVR>90% restricted8.03%8.17%
Basic Investment Loan Variable IO LVR>90%8.04%7.96%
Complete Home Loan Investment Variable IO LVR>90%8.14%8.06%
Complete Home Loan Investment Construction Variable LVR>90% restricted8.14%7.97%
Premier Package Home Loan Investment Variable LVR >90%8.28%8.64%
Premier Package Home Loan Investment Construction Variable LVR>90% restricted8.53%8.67%
Premier Package Home Loan Investment Variable IO LVR>90%8.53%8.76%

Savings accounts

ProductAdvertised rate
Strong Start Saver5.65%
Bonus Saver Account5.25%
First Home Bonus Saver Account5.25%
First Saver Account4.65%
Preschool Savings Account4.55%
Online Saver Account4.05%

Term deposits

ProductAdvertised rate
1 Year Term Deposit5.50%
Preschool Long Service Leave 1 Year Term Deposit5.50%
1 Year Regular Income Term Deposit5.40%
270 Day Term Deposit5.40%
180 Day Term Deposit5.30%
Preschool 120-180 Day Flexible Term Deposit5.30%
School 120-180 Day Flexible Term Deposit5.30%
120 Day Term Deposit5.10%
2 Year Term Deposit5.00%
3 Year Term Deposit5.00%
4 Year Term Deposit5.00%
5 Year Term Deposit5.00%
90 Day Term Deposit4.95%
Preschool 30-90 Day Flexible Term Deposit4.95%
School 30-90 Day Flexible Term Deposit4.95%

Transaction accounts

ProductAdvertised rate
Preschool Long Service and Sick Leave Provisions Account4.55%
Preschool Fundraising Account4.40%
Pension Account3.65%
Christmas Club Account3.60%
School Everyday Account2.65%
First Access Account2.20%
Preschool Day to Day Account0.05%
Preschool Petty Cash Account0.05%

Credit cards

ProductAdvertised rate
Platinum Credit Card11.49%
Classic Credit Card12.54%

Personal loans

ProductAdvertised rateComparison rate
New Car Loan Personal Lending 1-5 Years Fixed Unsecured6.79%7.06%
New Car Loan Personal Lending Variable Unsecured6.79%8.12%
Used Car Loan Personal Lending 1-5 Years Fixed Unsecured7.79%9.13%
Green Car Loan Personal Lending 1-5 Years Fixed Unsecured9.29%9.57%
Green Car Loan Personal Lending Variable Unsecured9.29%9.57%
Personal Loan Personal Lending 1-5 Years Fixed Unsecured9.64%11.00%
Personal Loan Personal Lending Variable Unsecured9.64%11.00%
Used Car Loan Personal Lending Variable Unsecured10.79%12.16%

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