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Our loans products, rates & commissions

Our home loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Choice
(Prime)

6.59% 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 < 60% $3,000,000 6.59% 6.89%
< 70% $3,000,000 6.69% 6.99%
< 80% $2,000,000 6.99% 7.19%
Investment < 60% $3,000,000 6.89% 7.19%
< 70% $3,000,000 6.99% 7.29%
< 80% $2,000,000 7.29% 7.49%
Term up to 30 years
Application fee $550
Establishment fee $0
Legal fees at cost
Valuation fees from $880
Risk fee $0
Ongoing fees n/a
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Choice Plus
(Near Prime)

7.24% paUp to 80%$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 7.24% 7.54%
<70% $2,500,000 7.34% 7.64%
<80% $2,000,000 7.79% 7.99%
Investment <60% $2,500,000 7.54% 7.84%
<70% $2,500,000 7.64% 7.94%
<80% $2,000,000 8.09% 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 - 0.65%
70-80% LVR - 1.00%

Alt Doc
<70% LVR - 0.65%
70-80% LVR - 1.25%
Ongoing fees n/a
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Freedom
(Specialist)

8.09% 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 8.09% 8.39%
<70% $2,500,000 8.09% 8.39%
<80% $2,000,000 8.54% 8.84%
Investment <60% $2,500,000 8.39% 8.69%
<70% $2,500,000 8.39% 8.69%
<80% $2,000,000 8.84% 9.14%
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 - 1.50%
Ongoing fees n/a
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M 0.50% interest rate buffer applied

Rates correct as of May 2026

Our business loan set

Loan solutionsRate from*Max LVRLoan amountKey fit

First Business 30

7.59% 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 <60% $3,000,000 7.59%
<70% $3,000,000 7.89%
<80% $3,000,000 8.39%
Term up to 30 years
Application fee Higher of $1,950 or 0.20%
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 0.10% per month
Interest only loans 0.30% buffer applied
Jumbo Loans > $2M n/a

First Business 3

8.39% 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
(Max LVR house/townhouse 75%, units 65%) 		<50% $5,000,000 8.39%
<60% $5,000,000 8.59%
<75% $5,000,000 9.19%
Commercial property
(If not leased reduce LVR 5%) 		<50% $5,000,000 8.59%
<70% $5,000,000 8.99%
Residential land <60% $3,000,000 9.99%
Term up to 3 years
Application fee Higher of $1,950 or 0.20%
Establishment fee 0.95%
Legal fees at cost
Valuation fees from $880
Risk fee 1.20%
Ongoing fees Land - 0.20% per month; Other - 0.10% 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

8.59% 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
(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 from $880
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 May 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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