Competitive solutions made for every kind of borrower
Home loans that fit real life
From first home buyers to self-employed refinancers, our home loans are built to cover the full spectrum of borrower needs. With Prime, Near Prime and Specialist options, brokers can find the right fit quickly and confidently — including cash out and debt consolidation to help clients get ahead.
Who we're here for
First home buyers
Clear, competitive options to get new buyers into the market, even with limited deposit history.
Refinancers
Simple pathways for clients consolidating debt, accessing equity, or reducing repayments.
Self-employed borrowers
Alt doc and flexible income verification for clients with non-standard documentation.
Borrowers with credit blips
Near prime and specialist solutions for clients with small defaults, late payments or other minor credit events.
Cash out & debt consolidaters
Generous cash out and consolidation options to simplify finances and free up funds for future goals.
Our home loan set
| Loan solutions | Rate from* | Max LVR | Loan amount | Key fit | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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First Choice | 6.49% pa | Up to 80% | $1,000,000 | PAYG or self-employed with clean credit | More | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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First Choice Plus | 6.94% pa | Up to 80% | $2,000,000 | Minor credit blips, self-employed alt doc | More | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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First Freedom | 7.34% pa | Up to 80% | $3,000,000 | Complex credit, irregular income, larger refinances | More | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Rates correct as of August 2025
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loan solutions
Quickly compare flexible options designed to deliver the right outcomes for your customers.
How brokers win with First Federal
Real examples of how we’ve helped brokers move loans from scenario to settlement.
