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Brokers

Our loans products, rates & commissions

Our home loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Choice
(Prime)

6.49% paUp to 80%$1,000,000PAYG or self-employed with clean creditMore
Security TypeLVRMax amountFull DocAlt Doc
Owner occupied< 50%$1,000,0006.49%6.79%
< 60%$1,000,0006.49%6.79%
< 70%$1,000,0006.64%6.94%
< 80%$1,000,0006.79%7.09%
Investment< 50%$1,000,0006.79%7.09%
< 60%$1,000,0006.79%7.09%
< 70%$1,000,0006.94%7.24%
< 80%$1,000,0007.09%7.39%
Termup to 30 years
Application fee$950
Establishment fee$0
Legal feesat cost
Valuation feesfrom $880
Risk fee0%
Ongoing fees$395 pa
Interest only loansn/a
Jumbo Loans > $2Mn/a

First Choice Plus
(Near Prime)

6.94% paUp to 80%$2,000,000Minor credit blips, 
self-employed alt docMore
Security typeLVRMax amountFull DocAlt Doc
Owner occupied<50%$2,000,0006.94%7.24%
<60%$2,000,0006.94%7.24%
<70%$2,000,0006.94%7.24%
<80%$2,000,0007.04%7.34%
Investment<50%$2,000,0007.24%7.54%
<60%$2,000,0007.24%7.54%
<70%$2,000,0007.24%7.54%
<80%$2,000,0007.34%7.64%
Termup to 30 years
Application fee$950
Establishment fee$0
Legal feesat cost
Valuation feesfrom $880
Risk fee0.65%
Ongoing feesnil
Interest only loans0.30% buffer applied
Jumbo Loans > $2Mn/a

First Freedom
(Specialist)

7.34% paUp to 80%$3,000,000Complex credit, irregular income, larger refinancesMore
Security TypeLVRMax amountFull DocAlt Doc
Owner occupied<50%$3,000,0007.34%7.64%
<60%$3,000,0007.34%7.64%
<70%$3,000,0007.34%7.64%
<80%$3,000,0007.44%7.74%
Investment<50%$3,000,0007.64%7.94%
<60%$3,000,0007.64%7.94%
<70%$3,000,0007.64%7.94%
<80%$3,000,0007.74%8.04%
Termup to 30 years
Application fee< $2M $950, > $2M 0.95%
Establishment fee$0
Legal feeat cost
Valuationfrom $880
Risk feeFull Doc
<70% LVR - 0.75%
70-80% LVR - 1.00%

Alt Doc
<70% LVR - 1.00%
70 - 80% LVR - 1.25%
Ongoing feesnil
Interest only loans0.30% buffer applied
Jumbo Loans > $2M0.50% interest rate buffer applied

Rates correct as of August 2025

Our business loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Business 30
(Commercial)

6.84% paUp to 80%$1,000,000A three-year business loan designed to help company borrowers secure funding quicklyMore
Security typeLVRMax amountRates from
Residential security
(If non-metro reduce LVR by 5%)		<50%$3,000,0006.84%
<60%$3,000,0007.14%
<80%$3,000,0007.64%
Termup to 30 years
Cost paymentHigher of $1,950 or 0.2%
Establishment fee0.95%
Legal feesat cost
Valuation feesfrom $880
Risk fee1.10%
Ongoing fees0.1% per month
Interest only loans0.30% buffer applied
Jumbo Loans > $2Mn/a

First Business 3
(Commercial)

7.64% paUp to 75%$5,000,000A three-year business loan designed to help company borrowers secure funding quicklyMore
Security typeLVRMax amountRates from
Residential security
(House & town house max 75%, unit max 70%)		<50%$5,000,0007.64%
<60%$5,000,0007.84%
<75%$5,000,0008.44%
Commercial property
(if not leased reduce LVR 5%)		<50%$5,000,0007.84%
<70%$5,000,0008.24%
Residential land<60%$3,000,0009.49%
Termup to 3 years
Cost paymentHigher of $1,950 or 0.2%
Establishment fee0.95%
Legal feesat cost
Valuation feesfrom $880
Risk fee1.20%
Ongoing feesLand - 0.2% per month; Other - 0.1% per month
Interest only loansStandard rates apply
Jumbo Loans > $3MLVR reduced by 10% and 0.50% interest rate
buffer applied

First Business Jumbo
(Commercial)

7.84% paUp to 65%$10,000,000A jumbo size non code loan, designed to provide company borrowers with interest only, fast funding.More
Security typeLVRMax amountRates from
Residential security<50%$10,000,0007.84%
<60%$10,000,0008.34%
<65%$10,000,0008.94%
Commercial property<50%$10,000,0008.34%
<60%$10,000,0008.74%
Residential land<45%$5,000,0009.99%
Termmin 6 mths, up to max 3 years
Cost payment0.2% of loan amount
Establishment fee0.95%
Legal feesat cost
Valuation feesat cost
Risk fee1.30%
Ongoing feesLand - 0.2% per month; Other - 0.1% per month
Interest only loansStandard rates apply
Jumbo Loans > $3Mn/a
Loans $10M - $25M will be priced upon application

Rates correct as of August 2025

First Federal broker commissions

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.

Up front broker commissions

New to organisation clients

0.65% of loan amount

Broker trail commissions

Paid once > $3m in active loans held

0.15% pa (paid Monthly)

Up front broker commissions

New to organisation clients

0.20% of loan amount

Broker trail commissions

Paid once > $3m in active loans held

0.25% pa (paid Monthly)

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