Easy

Whether you’re refinancing, purchasing or building an investment property, our team of Mortgage Specialists are here to make the process easy.

Low deposit

You can borrow up to 90% of the property value for new apartments and up to 95% of the property value for other types of dwellings. 1

Flexible

To support your investment strategy and your budget, interest only terms are available for up to 5 years with longer terms availabe on application.

Featured investor home loans

Variable rate

Accelerator package

For new and existing loans


Principal and interest repayments with a maximum LVR of 95%:

3.79%p.a. 2

Comparison rate from:
Comparison rate warning

4.20%p.a. *

3 year fixed rate

Accelerator package

For new and existing loans


Principal and interest rate with maximum LVR of 95%:

2.59%p.a. 3

Comparison rate from:
Comparison rate warning

3.90%p.a. *

Other home loan choices

Basic Home Loan

A simple variable home loan with access to redraw and no monthly or annual fees. Available to help you buy, build or refinance a home.

Fixed Home Loan

Lock in a fixed rate for 1, 2 or 3 years and benefit from a 100% offset account. There's no monthly or annual fees and can be used to fund the purchase, refinance or construction of a home.

Standard Variable Home Loan

Our standard variable home loan comes with flexible features like a 100% offset account and access to redraw. It's also a handy solution for people looking for a bridging loan. 

Access your equity

You may be able to borrow against up to 80% of the available equity in your owner occupied home which can be a great way to take the next step towards buying an investment property.

Find out more

How to apply

You can apply online, over the phone or by visiting one of our financial services stores. One of our Mortgage Specialists will guide you through the whole process.

Home Loan Key Facts Sheet

Please take a moment to review the Home Loan Key Facts Sheet before you apply. Different interest rates apply based on loan purpose and repayment types.

Fees and charges

Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.

Home improvements that add value

Here's some tips on which home improvements can really add value to your home or investment.

Read more

Financing property repairs

If you need to finance property repairs or  improvements but don't want to fiddle with the mortgage, our home improvement loan can help.

Read more

Protect your family and your lifestyle

Would you and your family be able to cope financially if life took a turn for the worse? Get peace of mind with FlexiCover Life Insurance.

Read more

Stay financially resilient

Here are 4 steps you can take to improve your resilience and stay on top of your mortgage repayments.

Read more

You can view Target Market Determinations here. 

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

1 Some suburb exclusions apply. Applies to QBE LMI “First Home” product only. Lenders' Mortgage Insurance applies for LVR over 80%.

Rate for new loans is current as at 01/08/21 and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. You should refer to your terms and conditions for more information. 

Rate for new loans is current as at 01/08/21 and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender. Your interest rate and repayments may increase at the end of the fixed term as a lower discount applies for the remaining term. Break costs apply to fixed rate loans. 

*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. 

Community First Credit Union LimitedABN 80 087 649 938 | AFSL and Australian credit licence 231204 | BSB 512-170