Australia's easiest home loan
TM
For over 25 years we’ve been backing brokers on the deals other lenders knock back – quickly and without the roadblocks. With a streamlined application process, direct access to credit assessors and a BDM team who knows your business, First Federal makes it happen. Every time.
Fast
approvals
Same-day scenario reviews and quick SLAs keep your applications moving.
No
clawbacks
Keep your commission. Always.
Direct access
to credit
Talk to the decision-makers, because clear answers matter.
BDM
by your side
Personal support from someone who knows you and your business.
Loan solutions
Postcode search
Loans that make progress possible
Fast, versatile solutions to help you find the right fit for every client.
Home
loans
Prime, Near Prime and Specialist options for PAYG and self-employed borrowers. Cash out and debt consolidation available to help your clients get ahead
Business
loans
Funding for SMEs, secured by residential or commercial property or vacant land. Flexible terms, fast approvals and unlimited cash out.
Specialist
& jumbo loans
For borrowers who need out-of-the-box solutions, from self-declared income or past credit issues to high-value lending.
Independent, Australian
and broker first
We make it easier for you to deliver the right solutions, with faster answers, simpler processes, and more ways to support your clients.
Match clients quickly with easy-to-read policies
- Get answers fast through direct access to credit and same-day reviews
- Cut the admin with low-touch paperwork
- Offer more options with versatile loans that fill the gaps in your toolkit
No clawbacks - ever
Clawbacks cut into your income and create uncertainty.
At First Federal, your commission stays yours. No clawbacks, no surprises, just stability to grow your business.
Our home loans
Simple home loan solutions with competitive rates, flexible options and fast approvals, giving your customers an easier path to buy, refinance or upgrade.
First Choice (Prime)
Rates starting from 6.49%
First Choice Plus (Near Prime)
Rates starting from 6.94%
First Freedom (Specialist)
Rates starting from 7.34%
Our business loans
Empower business clients to grow with lending designed for their needs. First Federal business loans provide flexibility, speed and straightforward approvals, helping you achieve results with ease.
First Business 30 (Commercial)
Rates starting from 6.84%
First Business 3 (Commercial)
Rates starting from 7.64%
First Business Jumbo (Commercial)
Rates starting from 7.84%
Here’s what some brokers have to say
“I just wanted to give a huge shout out to the First Federal team for a tremendous effort. They were on point, very professional. The loan itself was a little challenging security wise (rural/resi) but a very strong borrower helped by a sub 50% LVR easily slotted into their lending policy. They honestly were a dream to work with, and I could not praise them more highly.”
Mario Stepancic
“Your service made me look like an absolute pro in front of my client & this kind of support is truly invaluable. First Federal has genuinely set a new benchmark for me when it comes to lender service and turnaround times.”
Cherish French
Not a First Federal broker yet?
Getting accredited is simple. Our online accreditation takes just minutes, and once you’re on board, you’ll have direct access to our credit team and your BDM.
Complete our online scenario form.
Workshop a loan scenario quickly with our credit team.
Lodge an application via Loanapp.
Submit applications directly through Loanapp for faster processing.
Experience that delivers
We’re a small but mighty team, and we’ve built our reputation on being easy to deal with. For us, lending isn’t all about numbers – it’s about people. That’s why we keep things straightforward, answer the phone when you call, and work together to find solutions that actually fit.
- 25+ years in the Australian lending market
- Trusted partnerships with major aggregators nationwide
- Competitive rates across our full loan set
- Experience handling everything from first homes to complex commercial loans
- Brokers who return again and again, knowing we’ll get it done
Need a hand?
If you’ve got questions or want to talk something through, our team is a call or click away. With First Federal, you’ll always speak to a real person who understands your business and can help keep loans moving.
