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Our loans products, rates & commissions

Our home loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Choice
(Prime)

6.94% paUp to 90%$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 <=60% $3,000,000 6.94% 7.19%
<=65% $3,000,000 6.99% 7.24%
<=70% $3,000,000 7.04% 7.29%
<=75% $2,000,000 7.24% 7.49%
<=80% $2,000,000 7.29% 7.54%
<=85% $1,500,000 8.19% 8.54%
<=90% $1,000,000 8.79%
Investment <=60% $3,000,000 7.24% 7.49%
<=65% $3,000,000 7.29% 7.54%
<=70% $3,000,000 7.34% 7.59%
<=75% $2,000,000 7.54% 7.79%
<=80% $2,000,000 7.59% 7.84%
<=85% $1,500,000 8.49% 8.84%
<=90% $1,000,000 9.09%
Term up to 30 years
Application fee $590
Settlement fee $190
Legal fees at cost
Valuation fees at cost
Risk fee FULL DOC
75.01%-80% LVR 0.50%
80.01%-85% LVR 1.00%
85.01%-90% LVR 2.00%

ALT DOC
75.01%-80% LVR 0.50%
80.01%-85% LVR 1.00%
Ongoing fees Nil
Land loans N/A
Interest only loans 0.30% loading applied
Jumbo Loans > $2M 0.30% loading applied

First Choice Plus
(Near Prime)

7.49% paUp to 85%$2,500,000Newly self-employed borrowers or those with minor credit impairments.More
Security type LVR Max amount Full Doc Alt Doc
Owner occupied <=60% $2,500,000 7.49% 7.74%
<=65% $2,500,000 7.59% 7.84%
<=70% $2,500,000 7.69% 7.94%
<=75% $2,000,000 7.89% 8.14%
<=80% $2,000,000 7.99% 8.24%
<=85% $1,000,000 8.89% 9.14%
Investment <=60% $2,500,000 7.79% 8.04%
<=65% $2,500,000 7.89% 8.14%
<=70% $2,500,000 7.99% 8.24%
<=75% $2,000,000 8.19% 8.44%
<=80% $2,000,000 8.29% 8.54%
<=85% $1,000,000 9.19% 9.44%
Term up to 30 years
Application fee $990
Settlement fee $190
Legal fees at cost
Valuation fees at cost
Risk fee FULL DOC
75.01%-80% LVR 1.00%
80.01%-85% LVR 1.50%

ALT DOC
70.01%-75% LVR 1.00%
75.01%-80% LVR 1.50%
80.01%-85% LVR 2.00%
Ongoing fees Nil
Land loans 0.30% loading applied
Interest only loans 0.30% loading applied
Jumbo Loans > $2M 0.30% loading applied

First Freedom
(Specialist)

8.24% paUp to 80%$2,500,000Borrowers with complex or non-standard circumstances, including prior arrears or defaults.More
Security type LVR Max amount Full Doc Alt Doc
Owner occupied <=60% $2,500,000 8.24% 8.54%
<=65% $2,500,000 8.34% 8.64%
<=70% $2,500,000 8.44% 8.74%
<=75% $2,000,000 8.74% 9.04%
<=80% $2,000,000 8.94% 9.24%
Investment <=60% $2,500,000 8.54% 8.84%
<=65% $2,500,000 8.64% 8.94%
<=70% $2,500,000 8.74% 9.04%
<=75% $2,000,000 9.04% 9.34%
<=80% $2,000,000 9.24% 9.54%
Term up to 30 years
Application fee $990
Settlement fee $190
Legal fees at cost
Valuation fees at cost
Risk fee FULL DOC
65.01%-70% LVR 1.25%
70.01%-75% LVR 1.50%
75.01%-80% LVR 1.50%

ALT DOC
65.01%-70% LVR 1.25%
70.01%-75% LVR 1.50%
75.01%-80% LVR 1.50%
Ongoing fees Nil
Land loans 0.30% loading applied
Interest only loans 0.30% loading applied
Jumbo Loans > $2M 0.30% loading applied

Rates correct as of October 2026

Our business loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Business 40

7.24% paUp to 80%$3,000,000A 40-year non-code business loan designed for company or SMSF borrowers with stable income, verified through an accountant’s declaration or BAS statements.More
Security type LVR Max amount Rate From Risk Fee
Residential security <60% $3,000,000 7.24% 0.95%
<70% $3,000,000 7.74% 1.25%
<80% $3,000,000 8.24% 1.50%
Commercial property <=65% $2,000,000 7.49% 0.95%
Term up to 40 years
Application fee Higher of $1,950 or 0.2%
Establishment fee Residential: 0.75%
Commercial: 0.95%
Legal fees at cost
Valuation fees at cost
On-going fees 0.10% per month
Settlement fee $290
Interest only loans 0.30% buffer applied
Loan size loading N/A

First Business 3

8.24% 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 Risk Fee
Residential security
(Max LVR house/townhouse 75%, units 70%) 		<60% $5,000,000 8.24% 1.25%
<70% $5,000,000 8.54% 1.25%
<75% $5,000,000 8.84% 1.50%
Commercial property
(If not leased reduce LVR 5%) 		<60% $5,000,000 8.54% 1.25%
<70% $5,000,000 8.84% 1.50%
Residential land <60% $3,000,000 9.99% 1.50%
Term up to 3 years
Application fee Higher of $1,950 or 0.2%
Establishment fee 0.75%
Legal fees at cost
Valuation fees at cost
On-going fees 0.10% per month
Settlement fee $290
Interest only loans Standard rates apply
Loan size loading >$3m .50%

First Business Jumbo

8.59% paUp to 65%$10,000,000A short-term 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
(House & townhouse max 65%, unit max 55%) 		<50% $10,000,000 8.59%
<60% $10,000,000 9.09%
<65% $10,000,000 9.69%
Commercial property <50% $10,000,000 9.09%
<60% $10,000,000 9.49%
Residential land <45% $5,000,000 10.49%
Term min 6 months, up to max 3 years
Application fee 0.20% of loan amount
Establishment fee 0.95%
Legal fees at cost
Valuation fees at cost
Risk fee 1.30%
Ongoing fees Land - 0.20% per month; Other - 0.10% per month
Interest only loans Standard rates apply
Jumbo Loans > $3M n/a
Loans $10M - $25M Please contact your BDM

Rates correct as of October 2026

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.

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