Each link opens Bank First’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.24% p.a.6.29% p.a. comparison rate*Basic Home Loan Variable LVR<60% Variable owner-occupied principal and interest rates on 15 of its 51 home loans run from 6.24% to 7.78% p.a., with comparison rates from 6.29% to 8.15% p.a. Of its 51 rate options, 30 are fixed and 21 variable. Its average variable owner-occupied principal and interest rate is 6.72% p.a. (comparison 6.87% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Includes Basic Home Loan Variable LVR<60%, Basic Home Loan Variable LVR 60-70%, Basic Home Loan Variable LVR 70-80%, Complete Home Loan Owner Occupied Variable LVR <60%, Premier Package Home Loan Owner Occupied Variable LVR <60%, Premier Package Home Loan Owner Occupied Variable LVR 60-70%, Complete Home Loan Owner Occupied Variable LVR 60-70%, Complete Home Loan Owner Occupied Variable LVR 70-80%
All 15 of its variable home loans have had a rate change since the RBA’s 29 Sep 2026 decision.
Lowest advertised rate6.79% p.a.7.06% p.a. comparison rate*New Car Loan Personal Lending 1-5 Years Fixed Unsecured Advertised rates across its 6 car loans run from 6.79% to 10.79% p.a., with comparison rates from 7.06% to 12.16% p.a. Of those, 3 publish a fixed rate and 3 a variable rate. Its average advertised rate is 8.46% p.a. (comparison 9.27% p.a.), against a market average of 7.88% p.a. (comparison 8.49% p.a.) across 113 car loans from 54 providers. None of these headline rates has changed in the last 30 days.*
Products New Car Loan Personal Lending 1-5 Years Fixed Unsecured, New Car Loan Personal Lending Variable Unsecured, Used Car Loan Personal Lending 1-5 Years Fixed Unsecured, Green Car Loan Personal Lending 1-5 Years Fixed Unsecured, Green Car Loan Personal Lending Variable Unsecured, Used Car Loan Personal Lending Variable Unsecured
Lowest advertised rate9.64% p.a.11.00% p.a. comparison rate*Personal Loan Personal Lending 1-5 Years Fixed Unsecured Of those, 1 publishes a fixed rate and 1 a variable rate. None of these headline rates has changed in the last 30 days.
Products Personal Loan Personal Lending 1-5 Years Fixed Unsecured, Personal Loan Personal Lending Variable Unsecured
Highest advertised rate5.65% p.a.Strong Start Saver
Advertised rates across its 6 savings accounts run from 4.05% to 5.65% p.a. Of those, 2 pay a bonus rate when conditions are met. Its average advertised rate is 4.81% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Products Strong Start Saver, First Home Bonus Saver Account, Bonus Saver Account, First Saver Account, Preschool Savings Account, Online Saver Account
2 of its 6 savings accounts show no rate change since the RBA’s 29 Sep 2026 decision: Bonus Saver Account and First Home Bonus Saver Account.
Highest advertised rate5.50% p.a.1 Year Term Deposit
Advertised rates across its 15 term deposits run from 4.95% to 5.50% p.a. Terms run from 90 days to 1825 days. Its average advertised rate is 5.18% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. None of these headline rates has changed in the last 30 days.
Includes 1 Year Term Deposit, Preschool Long Service Leave 1 Year Term Deposit, 1 Year Regular Income Term Deposit, 270 Day Term Deposit, 180 Day Term Deposit, Preschool 120-180 Day Flexible Term Deposit, School 120-180 Day Flexible Term Deposit, 120 Day Term Deposit
Lowest purchase rate11.49% p.a.Platinum Credit Card
Purchase rates across its 2 credit cards run from 11.49% to 12.54% p.a. None of these headline rates has changed in the last 30 days.
Products Platinum Credit Card, Classic Credit Card
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for car loans and personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions or credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.