Business Loans
First Business JumboLoan
Our large-scale commercial loan for businesses needing bigger funding solutions. Designed with flexible options on loan size, security, and structure.
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A good fit for
Large-scale company borrowers
Companies seeking high-value funding above $10M, with bespoke pricing and LVRs available up to $25M.
Business owners consolidating major debts
Including significant tax liabilities and multiple facilities rolled into one facility.
Self-employed borrowers leveraging property assets
Using residential, commercial, or metro land as security for substantial business lending.
Features & benefits
- Borrow up to $10,000,000 (or more on application)
- Up to 65% LVR on residential property
- Self-declared income
- Unlimited debt consolidation (including tax debts)
- Unlimited cash out available
- Options to purchase land (metro areas only)
- No minimum credit score
- Tailored pricing and terms for loans >$10M
- Interest-only
Loan details
Loan purpose
Business lending, investment purchase, refinance
Loan term
Up to 3 years
Loan amount
$250,000 – $10,000,000
Maximum LVR
65% on residential property
60% on commercial property
45% on metro land (max $5M)
Interest rate type
Variable interest rate
Payment type
Interest only
Payment frequency
Monthly, fortnightly or weekly
Security
Registered 1st mortgage over residential property (exclusions apply)
Security locations
Metro NSW, Vic, Qld, WA only
Extra payments
Permitted (with no penalty)
Broker commissions
Up front (for new to organisation clients) – 0.20% of loan amount
Trail ( paid once > $3m in active loans held) – 0.25% pa (paid monthly)
Good to know
Our business loans are classified as non-code, which means they’re regulated differently and designed specifically for business or investment purposes, rather than personal use.
Click here to view our product suitability notice.
Loan fees
Application fee
0.95%
Upfront cost payment
0.2% of loan amount
Risk fee
1.30%
Valuation fee
At cost
Ongoing fees
vacant land 0.2% pm; other securities 0.1% pm
Discharge fee
$880
Rates correct as of August 2025 and are subject to change at any time.
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How brokers win with First Federal
Real examples of how we’ve helped brokers move loans from scenario to settlement.
