Firstmac
Standard Variable Bundle Home Loan
Firstmac · residential mortgages
Provider last updated this product 2026-09-25.
Firstmac’s Standard Variable Bundle Home Loan is a fully featured mortgage with a variable rate, offering flexibility to suit your needs. Borrow up to $3,000,000 (up to 80% LVR), choose principal and interest or interest‑only repayments, and reduce interest with an optional offset sub‑account. The discounted investment rate is available to customers who have a settled or new owner‑occupied application with Firstmac, while the discounted owner‑occupied rate is available to customers who have a settled or new investment application with Firstmac.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.64% | 6.00% | INVESTMENT | INTEREST ONLY | - | LVR up to 80% | calculated daily, paid monthly |
| The Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac. | |||||||
| VARIABLE | 6.54% | 6.60% | INVESTMENT | PRINCIPAL AND INTEREST | - | LVR up to 80% | calculated daily, paid monthly |
| The Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac. | |||||||
| VARIABLE | 6.33% | 6.39% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 80% | calculated daily, paid monthly |
| The Owner-Occupied Bundle Rate is available to customers who are applying for an owner-occupied home loan and either already have an investment loan with Firstmac or are taking out a new investment loan with Firstmac. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Application Fee | UPFRONT | $0 | No application fee is charged when setting up the loan. |
| Valuation Fee | EVENT | - | A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. |
| Documentation Fee | EVENT | $300 | A fee charged for preparing and processing the loan documentation required for settlement. |
| Discharge Administration Fee | EXIT | $300 | A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. |
| Settlement Fee | EVENT | $300 | A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan. |
| Discharge Documentation Fee | EXIT | $250 | A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 6.33% | 6.39% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- otherThe Owner-Occupied Bundle Rate is available to customers who are applying for an owner-occupied home loan and either already have an investment loan with Firstmac or are taking out a new investment loan with Firstmac.
- otherThe Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac.
- residency status - Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
- min age - 18Applicants must be at least 18 years old to apply for this loan.
Limits
- max limit - 3000000.00The maximum application amount available under this product is $3,000,000.
- min limit - 50000.00The minimum application amount that can be borrowed is $50,000.
- other - P15YThe loan term must be at least 15 years.
- other - P30YThe loan term cannot exceed 30 years.
Last updated by data holder: 2026-09-25T05:26:14.424973Z · Product ID: fmc-standard-bundle