---
title: "Fixed Rate Home Loan - Owner Occupied — Family First"
description: "Home Loans from Family First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/family-first/products/01780996-018d-49b8-a1b3-aacad7e0d7db
source: "CDR Compare"
language: en-AU
last_updated: 2026-02-16T22:43:55.805301Z
---

# Fixed Rate Home Loan - Owner Occupied — Family First

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

**Home Loans · FF PM Production**

With our Fixed Rate Home Loans, you’ll have peace of mind knowing that your repayments will not be altered during the fixed period.

## At a glance

- **From (owner occupied):** 5.89% (6.83% comparison)

## Apply

Applications are handled by the provider: [Apply at Family First](https://familyfirst.com.au/loans/application/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 5.89% | 6.83% | Loan to Value Ratio (LVR) ≤95% |
| Fixed · 2 years (up to 95% of the property value with Lenders Mortgage Insurance, 80% without) | 5.99% | 6.76% | Loan to Value Ratio (LVR) ≤95% |
| Fixed · 3 years | 6.09% | 6.71% | Loan to Value Ratio (LVR) ≤95% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Default Notice Fee — Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. | Event | — |
| IPEX — Applies per transfer | Event | — |
| Subsequent Default Notice Issue — Applies when you fail to make your contracted repayments and we are required to issue a subsequent default notice to you. | Event | — |
| Bank Cheque Fee — Applies when we issue you with a Bank Cheque. | Event | — |
| Loan Establishment Fee - Personal Loan — Applies when you apply for a Personal Loan | Event | — |
| Discharge of Mortgage Settlement Fee — Applies when settling a discharge of mortgage | Event | — |
| Loan Establishment Fee - Overdraft — Applies when you apply for an Overdraft | Event | — |
| Loan Establishment Fee - Mortgage — Applies when you apply for a Mortgage related loan | Event | — |
| Loan Establishment Fee - Unsecured Line of Credit — Applies when you apply for an Unsecured Line of Credit | Event | — |
| Loan Account Variation/Switching Fee — Applies when any change is made to a loan contract or switching of a loan product | Event | — |
| Rate Lock Fee — Applies when you apply to lock in an interest rate on your loan prior to settlement | Variable | — |
| Personal/Home Loan Redraw Facility — Applies when you apply for a redraw of funds on your loan | Event | — |
| Miscellaneous Dealing Fee — Applies when a change is made to security documents e.g. title production, prepare and consent to 2nd mortgage | Event | — |

## Features

- **Redraw facility**
- **Extra repayments** (Up to $10,000 per year extra repayments are allowed.)

## Eligibility

- **Minimum age** — 18 years
- **Terms and conditions apply**

## Constraints

- **Minimum limit** — $20,000.00 (The minimum loan amount for this product is $20,000)

## More information from Family First

- [Overview](https://familyfirst.com.au/loans/home-and-investment-loans/)
- [Terms & conditions](https://familyfirst.com.au/about-us/disclosure-statements/)
- [Eligibility](https://familyfirst.com.au/wp-content/uploads/2024/04/Family-First-TMD-Home-Loan-Fixed-Rate-Owner-Occupied-April-2024.pdf)
- [Fees & pricing](https://familyfirst.com.au/fees-charges/)

## Data provenance

- Published by Family First under the Consumer Data Right
- Product ID: `01780996-018d-49b8-a1b3-aacad7e0d7db`
- Last updated by the provider: 16 February 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/family-first/01780996-018d-49b8-a1b3-aacad7e0d7db
- Provider page: https://www.cdrcompare.au/brands/family-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000187

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/family-first/products/01780996-018d-49b8-a1b3-aacad7e0d7db) — 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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