Firstmac’s Standard Fixed Home Loan provides certainty with fixed rate options ranging from 1 to 5 years. Borrow up to $3,000,000 (up to 90% LVR) and make additional repayments of up to $10,000 per year, with principal and interest or interest only repayment options and no ongoing fees.
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 |
|---|---|---|---|---|---|
| 7.84% | 7.14% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.84% | 7.22% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.84% | 7.30% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.14% | 7.48% | Fixed · 4 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.14% | 7.59% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.44% | 7.10% | Fixed · 1 year · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.44% | 7.14% | Fixed · 2 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.44% | 7.18% | Fixed · 3 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.74% | 7.34% | Fixed · 4 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.74% | 7.42% | Fixed · 5 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.64% | 6.94% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.64% | 7.02% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.64% | 7.09% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.94% | 7.27% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.94% | 7.38% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.90% | Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.94% | Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.98% | Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.54% | 7.13% | Fixed · 4 years · owner occupied · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.54% | 7.22% | Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less | 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
CDR officialConsumer Data Right product dataShow where this comes from
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- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-standard-fixed- Content hash
sha256 15a74251bc193e8bbd83a99611a4d91701851a00d1a9835a69ba47e3e39d2ecc- Rule version
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Consumer Data Right product dataev_cdr_15a74251bc193e8b_ae321991Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-standard-fixed- Content hash
sha256 15a74251bc193e8bbd83a99611a4d91701851a00d1a9835a69ba47e3e39d2ecc- Excerpt
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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 |
|---|---|---|
| Rate Lock Fee | Upfront | $350.00 |
| Break Cost Administration Fee | Event | $150.00 |
| 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. Limited to a maximum of $10,000 per year during the fixed term. | |
| 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 |
|---|---|---|---|---|
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 6.94% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.30% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.94% | 7.38% |
| Fixed · 3 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.44% | 7.18% |
| Fixed · 4 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.74% | 7.34% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.14% | 7.48% |
| Fixed · 1 year · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.44% | 7.10% |
| Fixed · 2 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.44% | 7.14% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.22% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.54% | 7.13% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.14% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.24% | 6.94% |
| Fixed · 5 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.74% | 7.42% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 7.02% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.24% | 6.90% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.14% | 7.59% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.24% | 6.98% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.94% | 7.27% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.54% | 7.22% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 7.09% |
*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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