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Brokers

Our loans products, rates & commissions

Our home loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Freedom
(Specialist)

7.59% paUp to 80%$3,000,000Borrowers with complex or non-standard circumstances, including prior arrears or defaults.More
Security type LVR Max amount Full Doc Alt Doc
Owner occupied <50% $3,000,000 7.59% 7.89%
<60% $3,000,000 7.59% 7.89%
<70% $3,000,000 7.59% 7.89%
<80% $3,000,000 7.69% 7.99%
Investment <50% $3,000,000 7.89% 8.19%
<60% $3,000,000 7.89% 8.19%
<70% $3,000,000 7.89% 8.19%
<80% $3,000,000 7.99% 8.29%
Term up to 30 years
Application fee $950
Establishment fee $0
Legal fees at cost
Valuation fees from $880
Risk fee Full Doc
<70% LVR - 0.75%
70-80% LVR - 1.00%

Alt Doc
<70% LVR - 1.00%
70 - 80% LVR - 1.25%
Ongoing fees nil
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M 0.50% interest rate buffer applied

First Choice Plus
(Near Prime)

7.19% paUp to 80%$3,000,000Newly self-employed borrowers or those with minor credit impairments.More
Security type LVR Max amount Full Doc Alt Doc
Owner occupied <50% $3,000,000 7.19% 7.49%
<60% $3,000,000 7.19% 7.49%
<70% $3,000,000 7.19% 7.49%
<80% $3,000,000 7.29% 7.59%
Investment <50% $3,000,000 7.49% 7.79%
<60% $3,000,000 7.49% 7.79%
<70% $3,000,000 7.49% 7.79%
<80% $3,000,000 7.59% 7.89%
Term up to 30 years
Application fee $950
Establishment fee $0
Legal fees at cost
Valuation fees from $880
Risk fee Full Doc - 0.65%
Alt Doc <70% LVR - 0.65%
Alt Doc 70 - 80% LVR - 1.25%
Ongoing fees nil
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Choice
(Prime)

6.49% paUp to 80%$3,000,000Borrowers with a strong credit profile, stable income and consistent employment history.More
Security type LVR Max amount Full Doc Alt Doc
Owner occupied < 50% $3,000,000 6.49% 6.79%
< 60% $3,000,000 6.49% 6.79%
< 70% $3,000,000 6.64% 6.94%
< 80% $3,000,000 6.79% 7.09%
Investment < 50% $3,000,000 6.79% 7.09%
< 60% $3,000,000 6.79% 7.09%
< 70% $3,000,000 6.94% 7.24%
< 80% $3,000,000 7.09% 7.39%
Term up to 30 years
Application fee $950
Establishment fee $0
Legal fees at cost
Valuation fees from $880
Risk fee $0
Ongoing fees $395 pa
Interest only loans n/a
Jumbo Loans > $2M n/a

Rates correct as of February 2026

Our business loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Business 30

7.09% paUp to 80%$3,000,000A 30-year non-code business loan designed for company borrowers with stable income, verified through an accountant’s declaration or BAS statements.More
Security type LVR Max amount Rate From
Residential security
(If non-metro reduce LVR by 5%) 		<50% $3,000,000 7.09%
<60% $3,000,000 7.39%
<70% $3,000,000 7.39%
<80% $3,000,000 7.89%
Term up to 30 years
Cost payment Higher of $1,950 or 0.2%
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee <60% LVR - 0.75%
<70% LVR - 1.00%
<80% LVR - 1.25%
Ongoing fees 0.1% per month
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Business 3

7.89% paUp to 75%$5,000,000A flexible, short-term non-code business loan offering alternative income verification for company borrowers, secured by residential, commercial or land.More
Security type LVR Max amount Rate From
Residential security
(House & town house max 75%, unit max 70%) 		<50% $5,000,000 7.89%
<60% $5,000,000 8.09%
<75% $5,000,000 8.69%
Commercial property
(if not leased reduce LVR 5%) 		<50% $5,000,000 8.09%
<70% $5,000,000 8.49%
Residential land <60% $3,000,000 9.74%
Term up to 3 years
Cost payment Higher of $1,950 or 0.2%
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee 1.20%
Ongoing fees Land - 0.2% per month; Other - 0.1% per month
Interest only loans Standard rates apply
Jumbo Loans > $3M LVR reduced by 5% and 0.50% interest rate
buffer applied

First Business Jumbo

8.09% paUp to 65%$10,000,000A short-term non-code business loan up to $10 million, offering alternative income verification for company borrowers requiring fast access to funding. More
Security type LVR Max amount Rate From
Residential security <50% $10,000,000 8.09%
<60% $10,000,000 8.59%
<65% $10,000,000 9.19%
Commercial property <50% $10,000,000 8.59%
<60% $10,000,000 8.99%
Residential land <45% $5,000,000 10.24%
Term min 6 months, up to max 3 years
Cost payment 0.2% of loan amount
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee 1.30%
Ongoing fees Land - 0.2% per month; Other - 0.1% per month
Interest only loans Standard rates apply
Jumbo Loans > $3M n/a
Loans $10M - $25M Please contact your BDM

Rates correct as of February 2026

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.

Home Loans

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)

Business Loans

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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