• Scheduled Maintenance

    Please note that our Internet Banking, Mobile Banking and Mobile App may be unavailable between 10:00 pm Saturday 25 and 8:00 am Sunday 26 May 2019 due to scheduled maintenance. Members will still be able to use their cards during this time. We apologise for any inconvenience.


Have you ever wondered how much money you could save by refinancing your home loan? As a customer owned bank, we’ve thought about it and it could be thousands of dollars. That’s why we’ve created a refinance offer to help you move your home loan for less.

Up to $1,000 cash back

Refinance your home loan before 31 May and get:2

  • Up to $1,000 cash back
  • $100 cash back on Buildings & Contents Insurance3

See the savings by comparing loans

Take a look at how a lower interest rate and no monthly fee can save you money4.

Home Loan 1 Home Loan 2
Balance $400,000 $400,000
Term 20 years 20 years
Variable Interest Rate 3.72% p.a. 4.02% p.a.
Monthly Repayment $2,365 $2,428
Monthly Loan Fee - $10
Monthly repayment and fee reduced by $63  
Saving over the life of the loan $17,478  

Enquire Now 

Saving $63 a month might seem like a small amount, but it adds up overtime with overall savings of $17,478.

What would you do with $17,478?

House Renovation






A person hand typing on a calculator.

Let’s compare your loan

Our Comparison Calculator will help you compare your home loan to another and calculate how much you could save.

View our Calculators


Enquire Now

We’re here to help you crunch the numbers

Leave your details below and one of our consultants will be in touch.

Important Information

Home Loan Interest Rates effective 13 May 2019.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. Refer to website for current rates.
1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.
2. Offer available to customers who apply to refinance their home loan to Bank First between 28 February – 31 May 2019, and funded by 31 August 2019. Excludes switching between Bank First Home Loan products. We reserve the right to amend or withdraw these offers at any time. Cash back available to new Home Loans and are tiered based on the following - $500 for loan amount $150,000 - $249,999; $750 for loan amount $250,000 – $499,999; $1000 for loan amount > $500,000. There is a total cash back pool of $50,000 available. Once the cash back pool is utilised, no further cash backs will be available. Cash back will be paid into your Bank First S1 account the month after the loan funding.
3. Offer available to customers who take out any Bank First Home Loan and purchase a new CGU combined Building & Contents Insurance policy through Bank First between 28 February – 31 May 2019. Cashback will be paid into your nominated Bank First account 30 days after the 21 day cooling off period expires and is conditional upon first month’s premium being paid. Cannot be used in conjunction with any other Insurance offer and is valid for new policies only and is not applicable for policy renewals. Insurance issued by Insurance Australia Limited (IAL) ABN 11 000 016 772 AFSL 227681 trading as CGU Insurance. In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 trading as Bank First, AFSL/Australian Credit Licence Number 240 960, acts under its own Australian Financial Services Licence and under an agreement with IAL, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions. Any advice is general only. This information does not take into consideration your objectives, financial situation or needs. Therefore, you should firstly consider the appropriateness of this information and refer to the relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling 1300 654 166 or visiting a branch.
4. These figures are approximates and should be taken as a guide only. The calculations assume that the interest rate and any fees and charges remain unchanged for the full term of the loan. These figures are based on the assumption that the repayments are made on time, as required by the contract.