Firstmac’s Expat Home Loan is designed for eligible non‑residents investing in Australian property, offering a variable rate and great features. Borrow up to $1,500,000 (up to 80% LVR), choose principal and interest or interest‑only repayments, and benefit from an optional offset sub-account, redraw facility, and unlimited extra repayments.
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 |
|---|---|---|---|---|---|
| 8.18% | 8.13% | Variable · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.98% | 8.04% | Variable · investment · principal and interest · LVR 80% 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
- Fetched
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-expat- Content hash
sha256 0c5266eb06bff244c274877f9a3a978aef22dd98540d0560debe0da7dc2d14a9- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0c5266eb06bff244_ecb289f4Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-expat- Content hash
sha256 0c5266eb06bff244c274877f9a3a978aef22dd98540d0560debe0da7dc2d14a9- Excerpt
- —
- Rule version
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 |
|---|---|---|
| Offset | An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged. | |
| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed. | |
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan. |
| Eligibility: residency status | Applicants who are Australian or New Zealand citizens residing and working overseas (expatriate) | |
| Limit: other | P30Y | |
| Limit: other | P15Y | |
| Limit: max limit | 1500000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.18% | 8.13% |
| Variable · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.98% | 8.04% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
residency:overseas | residency:overseas |
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