Complete Package home loans
If you want an attached 100% offset account then choose our Complete Package home loan for a $375 annual fee; it includes an optional fee-free, low-rate Visa credit card with attached Environmental Rewards program!
Complete Packages are also available for investment properties for a small interest rate surcharge (0.50%) and interest-only repayment terms are possible (for a small rate surcharge of 0.20%).
Simple home loans
At some (life) stage you will probably want a home loan with offset attached.But if you don’t need it now, why pay for it?
With a Simple home loan you get brilliant benefits including free redraw, extra repayments and a suite of personal banking tools like linked accounts, online/mobile banking, electronic payments (ApplePay/GooglePay) and Visa debit cards.
Low-rate Visa credit card
Interest rate: 10.49% pa*
Interest free period: up to 45 days
Annual fees: none, when you have a Complete Package home loan with First Option or $48 per year (waived for the first year)
* Terms, conditions, fees and charges apply. Normal lending criteria apply.
Personal loans
Loans for members for things like home renovations, family holidays and big life events. Low fees, flexible terms and extra payments and redraw included as standard.
Car loans
Choosing a new car might be a hard decision but applying for financing for it doesn't have to be. We offer loans to members for the purchase of new or used cars, EVs or combustion-engine vehicles, less than 7 years old.
BeGreen loans for EVs and solar
To reward our members who want to make their lives more environmentally sustainable, we offer loans for a variety of home improvements, conversions and electric vehicle purchases.
If you already have a home loan with us, then you can qualify for a significantly discounted BeGreen Loan!
* Terms, conditions, fees and charges apply. Normal lending criteria apply.1 Interest rates are subject to change at the discretion of First Option Bank 2 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. Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years.