---
title: "Expat Home Loan — Firstmac"
description: "Home Loans from Firstmac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/firstmac/products/fmc-expat
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-21T00:39:30.616981Z
---

# Expat Home Loan — Firstmac

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

**Home Loans**

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.

## At a glance

- **From (investment):** 7.73% (7.79% comparison)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.73% | 7.79% | Loan-to-Value Ratio (LVR) ≤80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.93% | 7.4% | Loan-to-Value Ratio (LVR) ≤80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — No application fee is charged when setting up the loan. | Upfront | $0.00 |
| Valuation Fee — A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. | Event | From $221.00 |
| Documentation Fee — A fee charged for preparing and processing the loan documentation required for settlement. | Event | $300.00 |
| Discharge Administration Fee — A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
| Settlement Fee — A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan. | Event | $300.00 |
| Discharge Documentation Fee — A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |

## Features

- **Offset account** (An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged.)
- **Redraw facility** (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

- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this loan.)
- **Residency status** — Applicants who are Australian or New Zealand citizens residing and working overseas (expatriate)

## Constraints

- **The loan term cannot exceed 30 years.** — P30Y
- **The loan term must be at least 15 years.** — P15Y
- **Maximum limit** — $1,500,000.00 (The maximum application amount available under this product is $1,500,000.)
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **Maximum LVR** — 80% (The maximum LVR available under this product is 80%.)

## Data provenance

- Published by Firstmac under the Consumer Data Right
- Product ID: `fmc-expat`
- Last updated by the provider: 21 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/firstmac/fmc-expat
- Provider page: https://www.cdrcompare.au/brands/firstmac

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/firstmac/products/fmc-expat) — 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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