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Home loan health check
You could receive up to $3,000 cashback^, home loan savings and a personalised review of your current loan with one of our experienced Mortgage Specialists.
Arrange a home loan health check 
Up to $3,000 cashback^
No obligation home loan review
Friendly support from an experienced Mortgage Specialist
We’ll deal with your current lender for you with FASTRefi#
Best variable rate
Go Basic Variable
Simple, great value, with no monthly or annual fees.
Up to 80% LVR
Features and benefits
- No monthly or annual fees
- $600 application fee (includes standard valuation and legal fees)
Rate current as at 18/08/2026 and subject to change.
Interest rate for eligible applications submitted by 2/10/26, funded by 31/12/26.
More features and flexibility
Boost Package Variable
Premium features with a competitive variable rate.
Up to 80% LVR
Features and benefits
- $395 Annual fee
- No application fee>
- Up to 8 offsets with optional debit card
Rate current as at 18/08/2026 and subject to change. Interest rate for eligible applications submitted by 2/10/26, funded by 31/12/26.
Everyday Simplicity
Go Basic Variable
Simple, great value with no monthly or annual fees.
Up to 80% LVR
Features and benefits
- No monthly or annual fees
- $600 application fee (includes standard valuation and legal fees)
Rate current as at 18/08/2026 and subject to change. Interest rate for eligible applications submitted by 2/10/26, funded by 31/12/26.
| Important Note |
| Rates shown are current as at the date of this email and are subject to change or withdrawal without notice. The cashback applies when refinancing to an eligible current home loans regardless of which specific rate or special is on offer at the time of application.^ |
Cashback details
Limited allocation available
- Available to existing Community First members as at 1 September 2026.
- $2,000 cashback^ for new lending from $500,000 up to $999,999
- $3,000 cashback^ for new lending over $1 million
- Apply by 31 October 2026, fund by 31 December 2026.
- Not eligible for application through brokers
- Refinance only. Offer can be withdrawn at any time.
home loan health check
What’s included?
- Free review of your current home or investment loan
- Discuss your goals and circumstances
- Calculate your potential savings
- Support from our experienced Mortgage Specialists
- If you switch, you could be eligible for up to $3,000 cashback^
Refinance calculator
Curious how refinancing could change your loan? Our easy-to-use refinance calculator lets you compare your current loan with new options and see the difference for yourself.
Find out more
FASTRefi
Take the hassle out of refinancing. When you switch your home loan to Community First from an eligible financial institution, we can deal with your current lender for you with our FASTRefi service.#
Find out more Repayment calculator
Take the confusion out of working out your repayments. See what your loan repayments would be based on different rates and terms with our loan repayments calculator.
Find out moreFrequently asked questions
You can apply if you:
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
- Have been in your current job longer than 6 months
- Have an acceptable Credit Risk Profile (Credit Score)
- Your personal details, such as your current and previous address, phone number and email address
- Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
- Your account transaction listing where your income is deposited, via our Bank Statements service
Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.
- Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
- Proof of any rental income for properties via real estate statement or copy of executed lease
- Latest Notice Of Assessments for each applicant
- Everyday transaction account statements where your income is credited to via our Bank Statements service.
- Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
- Copy of current rates notice if it is a mortgage application
Yes, this loan allows you to put extra money towards your loan whenever you want. It’s also free to redraw funds via Internet Banking. If you require staff assisted redraws a $30 fee will apply.
Our FastRefi service makes switching your home loan faster and simpler. We can deal with your current lender for you, arrange payout of your other loan and make the process an easy one. Eligibility criteria applies.
Find out more here.
You can view Target Market Determinations here .
Credit eligibility criteria, terms & conditions, fees & charges apply.
^Cashback terms and conditions:
1. A $2,000 cashback is only eligible on new loans from existing members as at 1 September 2026 that have been switched from another lender to Community First. Minimum new borrowings at settlement of $500,000 up to $999,999. Min. LVR 80%.
2. A $3,000 cashback is only eligible on new loans from existing members as at 1 September 2026 that have been switched from another lender to Community First. Minimum new borrowings at settlement of $1 million. Min. LVR 80%.
3. The cashback excludes switches from Easy Street to Community First.
4. Applications must be lodged directly with Community First and not via a broker.
5. Available for Owner Occupier loans or investment loans with principal and interest repayments. Refinance only.
6. Cashback offer is payable within 30 calendar days of settlement.
7. The Cashback is payable only for eligible applications received between 15 September 2026 and 31 October 2026, settled by 31 December 2026.
8. The Offer is limited to one Cashback payment per primary applicant, regardless of the number of applications submitted, applicants involved, properties offered as security, Eligible Loans or loan accounts established in connection with the Offer.
For joint applications, only one Cashback payment is payable in respect of the joint application. Where the joint application is eligible for Cashback, the Cashback will be paid to the primary applicant. Where an applicant submits multiple applications during the Offer Period, only the first application submitted by that applicant that results in an Eligible Loan will qualify for Cashback. Subsequent applications submitted by that applicant during the Offer Period will not qualify for an additional Cashback payment, regardless of whether those applications relate to a different property, loan amount, loan product, loan account or other transaction. An applicant who has applied jointly with another applicant will be treated as having participated in the Offer for the purpose of this Cashback limit, regardless of whether that applicant was the primary or secondary applicant. An applicant cannot obtain a further Cashback payment by subsequently submitting an application alone or jointly with another applicant during the Offer Period. For the avoidance of doubt, multiple Eligible Loans, properties or loan accounts arising from the same application or transaction do not give rise to multiple Cashback payments.
9. Limited allocation only – offer can be withdrawn, varied or extended at any time.
10. If the Eligible Loan does not settle by 31 December 2026 for any reason, no Cashback is payable.
11. Cashback eligibility is not assumed – you will receive approval of eligibility at application for Community First. Upon approval, the cashback eligibility remains in place until the loan is approved/declined/withdrawn or otherwise expires. In the event of a dispute, cashback eligibility is payable at the discretion of Community First Bank.
12. Community First may determine that a transaction is not eligible where, in the Lender’s reasonable opinion, the transaction or application has been structured primarily for the purpose of obtaining Cashback rather than obtaining genuine lending for the stated loan purpose.
1 Go Basic Variable Special: Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 18/08/26 and is for eligible applications submitted by 2/10/26 and funded by 31/12/26 and can be withdrawn or changed at any time. Offer is available on Go Basic Variable home loans for new owner occupier principal and interest loans with a minimum balance of $50,000 or for internal loan increases including at least $50,000 of new funds. Acceptable purposes are residential property purchase and refinance; construction loans are excluded from the offer. Application fee includes one standard valuation fee and legal fees for one security property, and up to 2 split loans under Go Basic. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply. Your interest rate is a variable interest rate and may change prior to funding and during the term of the loan. Government charges or exit costs may be incurred when refinancing from your existing lender.
2 Boost Package – Variable: Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 18/08/26 and is for eligible applications submitted by 2/10/26 and funded by 31/12/26 and can be withdrawn or changed at any time. Offer is available on Boost Package Variable home loans for new owner occupier or investment principal and interest loans with a minimum balance of $50,000 or for internal loan increases including at least $50,000 of new funds. Acceptable purposes are residential property purchase and refinance; construction loans are excluded from the offer. Your interest rate is a variable interest rate and may change prior to funding and during the term of the loan. Government charges or exit costs may be incurred when refinancing from your existing lender. An annual package fee paid in advance applies. >Application, standard valuation and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional valuation and legal fees. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply.
3 Go Basic Variable: Credit eligibility criteria, terms & conditions, fees & charges apply. Rate is for new owner occupied loans and switches from 19/06/26 and subject to change without notice.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. 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
#Our FASTRefi service is only eligible when switching from eligible financial institutions.