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First Home Buyers Owner Occupied P&I
The Mac's First Home Buyers Owner Occupied P&I is a home loan open only to a stated occupation, employer or membership. The figures are the ones The Mac publishes under the Consumer Data Right today. The advertised rate last moved on 30 October 2026, up from 5.92% to 6.17%.
Advertised rate
6.17%
headline tier
Comparison rate
6.24%
as published
Last moved
+0.25pp
30 October 2026
Advertised rate, last 30 days. Between 5.92% and 6.17% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.17% | 6.24% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Application feeupfront | $400 |
| Application fee bridging loanupfront | $800 |
| Application fee top upupfront | $300 |
| Collection feeper cash advance: At cost fee | see lender |
| Default noticesupfront | $55 |
| General consent feeupfront | $150 |
| Legal feeper cash advance: At cost | see lender |
| Mortgage discharge feeupfront | $200 |
| Production of title deed feeupfront | $150 |
| Substitution of security feeupfront | $250 |
| Switching feeupfront | $50 |
| Valuation feeper cash advance: Valuation charged at cost | see lender |
Other The Mac home loans
2 Year Discounted Basic Variable Loan Owner Occupied P&I 6.17%Govt Low Dep Variable Ooc PI 6.17%Govt Low Dep 3yr Fixed Ooc PI 6.49%Mortgage 3yr Fixed Owner Occupied P&I 6.49%Govt Low Dep 1yr Fixed Ooc PI 6.59%Govt Low Dep 2yr Fixed Ooc PI 6.59%Mortgage 1yr Fixed Owner Occupied P&I 6.59%Mortgage 2yr Fixed Owner Occupied P&I 6.59%Mortgage 3yr Fixed Investor P&I 6.59%Mortgage 1yr Fixed Investor P&I 6.69%Mortgage 2yr Fixed Investor P&I 6.69%Mortgage 3yr Fixed Investor IO 6.79%
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