Easy lending for real life
First Federal was built to make borrowing straightforward — from home loans to business finance and investment lending. No complicated applications, no stress. Just fresh thinking, sharp rates and a dedicated local team.
Home loans
that make progress possible
Our loans are designed to fit real life, from buying your dream home to funding bigger goals. With competitive rates, fast turnaround and support from real people, we help you move forward with confidence.
Our variable home loan interest rates
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Business loans
for growth
We’re the business loan lender that backs your growth. Whether you’re just starting out or expanding operations, we offer simple and flexible loans designed to fit your strategy.
Who we are
We’re a small, nimble Australian lender with one clear mission: to make finance simple for borrowers and brokers. We’re not a bank.
We’re faster, more flexible and more personal, with an expert team who will pick up the phone and keep things moving.
That’s what we call clever lending.
Loan calculators and tools
All the key tools and documents to get loans moving faster. Clear, simple and always up to date.
Borrowing Power
Calculator
Work out how much you can borrow and what your repayments might be
Home Loan Repayment
Calculator
Calculate repayments and total interest across your loan’s lifetime.
Postcode
Search
Enter your postcode or suburb to check maximum LVR available
Here to help, wherever you’re starting from
Whether you’re buying a home in the suburbs or securing an investment, we can help you get there.
Talk to your broker
Looking for a new loan?
First Federal works through trusted brokers. Speak to your broker about our loans, or get in touch and we can connect you someone in your area.
Have a question?
Already with First Federal or curious about our loans? Our team is here to help and make sure you get the right support quickly.
Financial hardship
If you are a First Federal customer experiencing financial hardship and having trouble making payments, we are here to help.
If you feel that we have not provided you with sufficient assistance or wish to seek alternative support, you can contact:
Way Forward: a not-for-profit organisation offering free financial counselling and long-term support to help manage and repay debts. Contact 1300 045 502 or visit wayforward.org.au
National Debt Helpline: a not-for-profit service that provides free, independent, and confidential financial counselling to help people with their financial circumstances. Contact 1800 007 or visit ndh.org.au
Australian Financial Complaints Authority (AFCA): AFCA provides free and independent complaint resolution. First Federal is a member of AFCA. Contact 1800 931 678, info@afca.org.au or lodge a complaint on their website www.afca.org.au