BUSINESS LOANS
First Business 30Loan
Our versatile, long-term business loan. Designed for self-employed borrowers with strong income evidence and a clear path forward.
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A good fit for
Small business owners
Borrowers with their own ACN who want to use their residential property to fund or grow their business.
Borrowers consolidating debt
Clients looking to roll multiple debts (including tax debts) into one long-term loan.
Investors leveraging equity
Those refinancing residential property to access unlimited cash out for business or investment purposes.
Features & benefits
- Borrow up to $3,000,000
- 80% LVR
- Low income verification needs
- Unlimited debt consolidation (including tax debts)
- Unlimited cash out available
- No postcode restrictions
- No minimum credit score
- Principal & interest or up to 3 years interest only available on investment properties
Loan details
Loan purpose
Business lending, investment purchase, refinance
Loan term
Up to 30 years
Loan amount
$250,000 – $3,000,000
Maximum LVR
80%
Interest rate type
Variable interest rate
Payment type
Principal and interest or interest only (max I/O period 3 years)
Payment frequency
Monthly, fortnightly or weekly
Security
Registered 1st mortgage over residential property (exclusions apply)
Security locations
All locations considered
Extra repayments
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
higher of $1,950 or 0.2% of loan amount
Risk fee
1.10%
Valuation fee
At cost
Ongoing fees
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.
