A three-year business loan designed to help self-employed borrowers secure funding quickly. Options for both residential and commercial securities.

Starting from

Key features of a First Business 3 Loan

  • Up to 75% LVR
  • Self-employed borrowers with an ACN
  • No minimum credit score
  • Unlimited debt consolidation
  • Unlimited cash out
  • Application fee – 0.95%
  • Upfront cost payment – higher of $1,950 or 0.2% of loan amount
  • Risk fee – 1.20%
  • Valuation fee – at cost
  • Ongoing fees – 0.1% pm
  • Discharge fee – $880
  • SMSF available
  • Up to 3 years interest only available on investment properties

See how much you can borrow


Product Summary – First Business 3 Loan

  • Loan PurposeBusiness lending, investment purchase, refinance
  • Loan TermUp to 3 years
  • Loan Amount$250,000 – $5,000,000
  • Maximum LVR75%
  • Interest rate typeVariable interest rate
  • Payment TypePrincipal and Interest or interest only (max I/O period 3 years)
  • Payment FrequencyMonthly, fortnightly or weekly
  • Security1st mortgage over residential property or commercial property (exclusions apply)
  • Security LocationsAll locations considered
  • Extra PaymentsPermitted (with no penalty)

Talk to us about how a First Business 3 Loan can help you

All First Choice, First Choice Plus, First Freedom, First Business 30 and First Business 3 rates are correct as of June 2024 and are subject to change at any time.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All Comparison Rates are calculated based on a secured loan of $250,000 over a 25 year term.