Refinance a home loan
Refinancing is your chance to take control. Whether it’s lowering repayments, freeing up equity or simplifying debts, we make it fast and uncomplicated.
- Lower repayments with competitive rates
- Access equity through cash out
- Simplify with debt consolidation
- Fast approvals to keep things moving
- Flexible options for PAYG and self-employed borrowers
Home loans that put you first
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First Choice
A straightforward loan for PAYG and self-employed borrowers. Ideal for purchases or refinancing, with competitive rates and no risk fees.
Product features
- Up to 80% LVR
- PAYG & self-employed
- No risk fees
- Debt consolidation
- Cash out available
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First Choice Plus
A flexible loan for borrowers with a few credit blips. Includes up to three years interest-only on investment properties.
Product features
- Up to 80% LVR
- PAYG & self-employed
- No ongoing fees
- Debt consolidation
- Cash out available
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First Freedom
For borrowers with complex needs or past credit issues. Offers large cash out, unlimited debt consolidation and a case-by-case approach.
Product features
- Up to 80% LVR
- PAYG & self-employed
- Flexible approach to credit history
- Unlimited debt consolidation
- Cash out up to $500,000
Because your loan should work as hard as you do
When life changes, your loan shouldn’t hold you back. Whether it’s cutting costs, unlocking equity or tidying up debt, our flexible approach keeps you moving forward.
Look beyond the numbers
We don’t just tick boxes. We look past credit scores to consider each borrower’s unique financial situation.
Pay down your loan faster
Make extra repayments anytime to reduce interest – with no penalties.
Access cash when you need it
Most loans offer generous cash out amounts, including an unlimited option to fund your aspirations.
Switch with ease
Refinance loans from banks, non-banks, private lenders and solicitor loans – even
ATO debt on some products.
Loan calculators
All the key tools and documents to get loans moving faster. Clear, simple and always up to date.
Borrowing Power
Calculator
Work out how much you can borrow and what your repayments might be
Home Loan Repayment
Calculator
Calculate repayments and total interest across your loan’s lifetime.
Extra Repayment
Calculator
Work out the impact of
making additional repayments
Stamp Duty
Calculator
Calculate stamp duty on properties across Australian states.
Savings
Calculator
Calculate potential interest and map out your savings strategy.
Loan Comparison
Calculator
Compare your repayments across different loan types
Postcode
Search
Enter your postcode or suburb to check maximum LVR available
Here to help, wherever you’re starting from
Whether you’re buying a home in the suburbs or securing an investment, we can help you get there.
Talk to your broker
Looking for a new loan?
First Federal works through trusted brokers. Speak to your broker about our loans, or get in touch and we can connect you someone in your area.
Have a question?
Already with First Federal or curious about our loans? Our team is here to help and make sure you get the right support quickly.
Financial hardship
If you are a First Federal customer experiencing financial hardship and having trouble making payments, we are here to help.
If you feel that we have not provided you with sufficient assistance or wish to seek alternative support, you can contact:
Way Forward: a not-for-profit organisation offering free financial counselling and long-term support to help manage and repay debts. Contact 1300 045 502 or visit wayforward.org.au
National Debt Helpline: a not-for-profit service that provides free, independent, and confidential financial counselling to help people with their financial circumstances. Contact 1800 007 or visit ndh.org.au
Australian Financial Complaints Authority (AFCA): AFCA provides free and independent complaint resolution. First Federal is a member of AFCA. Contact 1800 931 678, info@afca.org.au or lodge a complaint on their website www.afca.org.au