Important update: from 1 April 2026, the Illawarra Credit Union brand – a division of Community First Credit Union – will be formally retired. Visitors to the illawarracu.com.au will now be directed to this site. More information about this change is available here. The latest release of our enhanced mobile banking app is now available. Find out more information click here

FAST Refi

Switching your loan is now even easier.

Now switching your loan is easier than ever

If you’re looking to switch your home loan from another lender to Community First, now you make the switch easier than ever thanks to our FASTRefi service.

It means you can take advantage of possible home loan savings sooner. There’s no fees payable for this service* and we’ll even deal with your current lender for you, arranging payout of your other loan and making the process an easy one.

What loans are eligible for FASTRefi?

The FASTRefi service is not available on all loans however one of our loan specialists can do a quick eligibility check for you. Your eligibility is determined by things like:

  • The other financial institution (OFI) is on the acceptable OFI list
  • Your loan is not a construction loan
  • The security property is primarily residential
  • The names on the loan are not changing
  • There is only one first registered mortgage over the property security

Other eligibility criteria may apply.

How long does it take?

The time it takes can depend on how long it takes you to return the documents we need and whether we need to further investigate whether you’re eligible.


The process from when your loan has been approved unconditionally can be swift, however we will let you know the estimated time frame. Ask us about the FASTRefi service today.


Credit eligibility criteria, terms and conditions, fees and charges apply.


*Additional fees apply for refinancing your loan.

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

Download our mobile app

Convenient 24/7 access to check your account balance and recent transactions, pay bills, transfer money and more.

Call us today on

1300 13 22 77

Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170