---
title: "Standard Variable Bundle 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-standard-bundle
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T23:25:49.739795Z
---

# Standard Variable Bundle 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 Standard Variable Bundle Home Loan is a fully featured mortgage with a variable rate, offering flexibility to suit your needs. Borrow up to $2,000,000 (up to 90% LVR), choose principal and interest or interest‑only repayments, and reduce interest with an optional offset sub‑account. The discounted investment rate is available to customers who have a settled or new owner‑occupied application with Firstmac, while the discounted owner‑occupied rate is available to customers who have a settled or new investment application with Firstmac.

## At a glance

- **From (owner occupied):** 6.33% (6.39% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Owner-Occupied Bundle Rate is available to customers who are applying for an owner-occupied home loan and either already have an investment loan with Firstmac or are taking out a new investment loan with Firstmac.) | 6.33% | 6.39% | Loan-to-Value Ratio (LVR) ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac.) | 6.54% | 6.6% | Loan-to-Value Ratio (LVR) ≤80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac.) | 6.64% | 6% | 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

- **Extra repayments** (Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster.)
- **Redraw facility** (Enables access to any extra repayments made, allowing funds to be withdrawn if needed.)
- **Offset account** (An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged.)

## Eligibility

- **The Owner-Occupied Bundle Rate is available to customers who are applying for an owner-occupied home loan and either already have an investment loan with Firstmac or are taking out a new investment loan with Firstmac.**
- **The Investment Bundle Rate is available to customers who are applying for an investment home loan and either already have an owner-occupied loan with Firstmac or are taking out a new owner-occupied loan with Firstmac.**
- **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.
- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this loan.)

## Constraints

- **Maximum limit** — $3,000,000.00 (The maximum application amount available under this product is $3,000,000.)
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **The loan term must be at least 15 years.** — P15Y
- **The loan term cannot exceed 30 years.** — P30Y

## Data provenance

- Published by Firstmac under the Consumer Data Right
- Product ID: `fmc-standard-bundle`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/firstmac/fmc-standard-bundle
- Provider page: https://www.cdrcompare.au/brands/firstmac

---

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