---
title: "Complete Home Loan Owner Occupied Construction Variable LVR<80% — Bank First"
description: "Home Loans from Bank First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-first/products/4e3318ce-58ce-4391-b8ee-3874ad79af4c
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T00:42:51.600309Z
---

# Complete Home Loan Owner Occupied Construction Variable LVR<80% — Bank First

> Home Loans from Bank First. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Bank First Production**

Complete Home Loan Owner Occupied Construction Variable LVR<80%

## At a glance

- **From (owner occupied):** 6.44% (6.26% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank First](https://applications.bankfirst.com.au/cip/bankfirst/p/bankfirst/homeloan/application.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.44% | 6.26% | LVR up to 80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Discharge Of Mortgage Fee — $395.00 per Title. | Exit | $395.00 |
| Arrears Fee — 7 · Applies when a loan is 7 and 30 calendar days in arrears | Late payment | $20.00 |
| Settlement Fee — Costs associated with processing the documentation and settlement of the loan | Upfront | $595.00 |

## Features

- **Offset account** (Not available during fixed interest rate period. When you link a transaction account to an offset facility, you earn no interest under the transaction account even if the balance of the transaction account exceeds the loan balance.)
- **PayID**
- **Digital banking**
- **Redraw facility** (Minimum of $500 per redraw)
- **Extra repayments** (Ability to make additional repayments on a variable rate loan with no cost)

## Eligibility

- **Residency status** — Individual applications must be permanent residents and joint accounts require at least one permanent resident as well as additional requirements for the non-resident applicants.
- **Minimum age** — 18 years
- **Available to members only.**

## Constraints

- **Maximum LVR** — 98%
- **Minimum LVR** — 0%

## More information from Bank First

- [Overview](https://www.bankfirst.com.au/loans/home-loans/complete-home-loan-owner-occupied)
- [Terms & conditions](https://www.bankfirst.com.au/disclosure-documents)
- [Eligibility](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6)
- [Fees & pricing](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37)

## Data provenance

- Published by Bank First under the Consumer Data Right
- Product ID: `4e3318ce-58ce-4391-b8ee-3874ad79af4c`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-first/4e3318ce-58ce-4391-b8ee-3874ad79af4c
- Provider page: https://www.cdrcompare.au/brands/bank-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000112

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-first/products/4e3318ce-58ce-4391-b8ee-3874ad79af4c) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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