Firstmac’s Standard Variable 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 90% LVR), choose principal and interest or interest‑only repayments, and reduce interest with an optional offset sub-account.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.99% | 6.99% | Variable · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.09% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.39% | 7.39% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.89% | 6.95% | Variable · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.99% | 7.05% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 7.35% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.14% | 6.94% | Variable · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.04% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.69% | 6.75% | Variable · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.85% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 7.25% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
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https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-standard-variable- Content hash
sha256 0cd273cbe828937e0fd012d7d2dac243d16631c9ea2b26a9e30b11dec36d359b- Rule version
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Consumer Data Right product dataev_cdr_0cd273cbe828937e_ca400293Show details
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- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-standard-variable- Content hash
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mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Documentation Fee | Event | $300.00 |
| Discharge Administration Fee | Exit | $300.00 |
| Settlement Fee | Event | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. | |
| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed. | |
| Offset | An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged. | |
| Eligibility: 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. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan. |
| Limit: max limit | 3000000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: other | P15Y | |
| Limit: other | P30Y |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.14% | 6.94% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 7.35% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 7.25% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.24% | 7.04% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.99% | 7.05% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.69% | 6.75% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.85% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.09% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.89% | 6.95% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 7.39% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.99% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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