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Firstmac

Firstmac home loans

Firstmac is a privately-owned lender that has been in business for more than 40 years. Over that time, it has grown from a small family business to become one of Australia's leading non-bank lenders. In that time, it has provided more than 130,000 home loans and currently manages $13 billion in mortgages and $300 million in cash investments.

Focused on bringing simple and affordable financial products to market, Firstmac offers home and investment loans, residential SMSF loans, car loans, and term deposits.

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Content updated18 Oct, 2023
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Important disclosure

Why choose Firstmac

Benefits

  • Flexible repayment options
  • Discounted rates for larger deposits
  • Competitive variable rates

Drawbacks

  • No branch network
  • Limited loan options

Firstmac Home Loans

Loan amount

$

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Australian Credit Licence 290600Fees & charges apply

6.09%

6.12%

$2,274

Offset 80 (OO & Inv Package)
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 290600Fees & charges apply

Australian Credit Licence 290600Fees & charges apply

6.24%

6.27%

$2,307

Basic 70 (Broker Special)
  • Owner Occupied
  • Variable
  • 30% min deposit
  • P&I

Australian Credit Licence 290600Fees & charges apply

Australian Credit Licence 290600Fees & charges apply

6.54%

6.57%

$2,372

Basic 80 P&I (Broker Special)
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 290600Fees & charges apply

Australian Credit Licence 290600Fees & charges apply

6.54%

6.57%

$2,372

Offset 80 P&I (Broker Special)
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 290600Fees & charges apply

Australian Credit Licence 290600Fees & charges apply

6.59%

6.59%

$1,922

Solar Home Loan
  • Investor
  • Variable
  • 10% min deposit
  • Interest Only

Australian Credit Licence 290600Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

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130
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at interest rate 5.99%

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Firstmac customer service

Home loan customers can contact Firstmac through a number of channels. The lender has a general Australia-based customer assistance phone line for any enquiries and can also be contacted via email, or via online chat on the Firstmac website.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat

How to apply for a Firstmac home loan

Firstmac provides potential customers with a number of options when applying for a home loan, including an online application form, phone applications, or applying in person at their office. 

Before applying for any home loan, calculate how much money you can afford to borrow and comfortably repay, given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, such as:

  • Personal identification documents
  • Proof of income and type of employment
  • Proof of other income and assets
  • Details of current debts and liabilities
  • Personal insurance documents

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.