Home loan · Variable
Basic Loan Variable
7.19%comparison rate p.a. · 7.14% advertised
Variable · P&I · Investor · 80–90% LVR
94th of 125 variable investor P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: 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.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Investor · ≤60% LVR
- 6.44% comparison · 6.39% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.49% comparison · 6.44% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.54% comparison · 6.49% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.19% comparison · 7.14% advertised
- Variable · P&I · Investor · 90–91% LVR
- 7.84% comparison · 7.79% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.55% comparison · 6.64% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.60% comparison · 6.69% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.65% comparison · 6.74% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.30% comparison · 7.39% advertised
- Variable · Interest Only · Investor · 90–91% LVR
- 7.96% comparison · 8.04% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Basic Loan Variable · Variable · P&I · Investor
- RBA cash rate
No changes recorded for this product since tracking began on 11 November 2026.
Also from Bank First: Basic Home Loan Variable 6.39% · Complete Home Loan Variable 6.49% · Complete Home Loan fixed 6.55% · Premier Package Home Loan Variable 6.82% · Premier Package Home Loan fixed 6.87%
As of 13 November 2026, the Bank First Basic Loan Variable's variable investor P&I variant has a comparison rate of 6.44% (6.39% advertised), ranking 5th of 125 variable investor P&I loans. The product comes in 10 variants; the others are investor, interest-only and other LVR bands. From the provider's Consumer Data Right feed, refreshed nightly.