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Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

  Premier Package Home Loan Owner Occupied 1 year fixed LVR <80%

Premier Package Home Loan Owner Occupied 1 year fixed LVR <80%
Category: Home Loans  Last Updated May 3, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
2.89% PA
Comparison Rate
2.97%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Redraw Additional Information: Minimum of $500 per redraw
  • Digital Banking
  • Npp Payid

 Product Eligibility

  • Other Additional Information: Available to members only.
  • Min Age - 18.
  • Residency Status - Individual Applications Must Be Permanent Residents And Joint Accounts Require At Least One Permanent Resident As Well As Additional Requirements For The Non-residant Applicants..

 Bank Fees and Charges

  • Loans With A Fixed Rate Term - Break Cost Fee (Event), Amount: 0.00. Additional Information: If the loan is paid out or transferred to a variable rate loan during the fixed rate period you will incur a break cost fee. Fee is at cost
  • All Loans Secured By Real Estate Mortgage, During A Fixed Rate Term (Variable), Amount: 0.00. Additional Information: Fee at cost
  • Additional Valuation Fee (Variable), Amount: 0.00. Additional Information: Fee at cost
  • Portability Fee (Event), Amount: 600.00.
  • Settlement Fees (Variable), Amount: 0.00. Additional Information: 1. At cost (This fee applies if the settlement occurs outside the CBD area or attendance at settlement by Bank First representative) 2. At costLand Titles Office Registration Fee Available upon request. Fee at cost
  • Discharge Of Mortgage Fee (Event), Amount: 395.00. Additional Information: $395.00 per Title.
  • Release Of Family Guarantee (Event), Amount: 350.00. Additional Information: $350.00 per Title.
  • Land Titles Office Registration Fee (Upfront), Amount: 0.00. Additional Information: Fee at cost
  • Shared Equity Agreement Establishment Fee (Upfront), Amount: 600.00. Additional Information: Covers the cost of the preparation and lodgement of a 2ndMortgage, Deed of Priority and any applicable government charges.
  • Security Adminstrations Fee (Upfront), Amount: 400.00. Additional Information: Costs associated with taking out a security.
  • Switching Fee (Upfront), Amount: 300.00. Additional Information: $300.00 (Only charged if switching between Bank First loan products)$150.00 Premier Package Home Loan holders.
  • Arrears Fee (Event), Amount: 20.00.
  • Variation/consent To Transfer (Variable), Amount: 0.00. Additional Information: Fee at cost
  • Land Titles Office Discharge Fee (Variable), Amount: 0.00. Additional Information: Fee at cost
  • Loan Re-contracting Fee (Upfront), Amount: 150.00. Additional Information: Fee applies to any change made after initial loan contract is finalised
  • Additional Security Fee (Upfront), Amount: 150.00. Additional Information: This additional Security Administration Fee covers the cost of one security. This fee applies for each additional security.
  • Split Home Loan Fee (Upfront), Amount: 150.00. Additional Information: $150.00 per application. Split Home Loan Fee is waived for Premier Package Home Loan holders.
  • Mortgage Stamp Duty (Variable), Amount: 0.00. Additional Information: Fee at cost
  • Security Consent Fee (Upfront), Amount: 150.00. Additional Information: Applies when the Bank consents to an alteration requestthat relates to an existing security.
  • Premier/rewards Package Home Loan Fee (Periodic), Amount: 390.00. Additional Information: $390 per annum
  • Home Loan Increase Fee (Upfront), Amount: 350.00. Additional Information: Not refundable if the loan application is withdrawn.
  • Guarantor Security Fee (Upfront), Amount: 250.00. Additional Information: $250.00 per Guarantee.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00

 Document Downloads

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