Complete Home Loan

Our complete home loan offers you all the bells and whistles with a
low ongoing rate, 100% offset, free redraw and no application fee.
Apply Now

5.64%

Variable interest rate
Owner occupied P&I
<60% LVR3

6.00%

Comparison rate 1

Learn More
Apply Now

100% Offset

Allowing you to save on interest.

Fee-free Credit Card

With environmental rewards program.

$1,000

Towards legal and valuation costs*4

Free Redraw

Access your money via internet banking at any time.

Save on interest

Make additional repayments at any time.

Flexibility

Available for owner occupied, investment and interest only repayments.

*Available for owner-occupied loans

Interest Rates

Owner occupied, principal and interest repayments
Loan to Value Ratio3
Interest Rate
Comparison Rate 1
<60%
5.64%
6.00%
60-70%
5.69%
6.05%
70%+
5.74%
6.09%
Annual Fee: $375

Investment & Interest Only Interest Rates

View Interest Rates
Image

Home Loan Calculator





Home Loan Process

Step 1 

Submit your application online to let us know about your income, expenses and debts.

Step 2 

If everything looks good, we will offer you conditional approval while we assess your financial position.

Step 3

We’ll provide you with formal approval and work with you to get you into your home as soon as possible.
Learn More
Apply Now

Education Videos

1 WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This comparison rate has been calculated on the basis of a $150,000 loan paid over 25 years.3 Loan-to-Value Ratio or LVR is a measure of the amount you owe on your loan compared to the value of your property. To calculate your current LVR, divide your loan amount by your property value and multiply the result by 100 to give you a percentage. 4 First Option Bank will cover the first $1,000 of valuation and legal costs, other external costs incurred by First Option Bank will be on-charged. Eligibility criteria, terms and conditions, fees and charges apply. Normal lending criteria apply. Stamp duty and government charges may apply. Any legal and valuation fees will be charged at cost.