Easy

If you're switching your loan from another lender, we can make it happen easier than ever thanks to our FASTRefi service. We'll even deal with your current lender for you.

Affordable

You can borrow up to 95% of the property value to finance a newly built home or up to 80% to renovate an existing one.

Flexible

We offer bridging finance so if you've found your next home but are yet to sell your existing one, we can help make it happen so you don't miss out.

Featured home loans

Buy or refinance

True Basic Variable
home loan

For new and exitsing owner occupier loans with an LVR up to 95%


Variable interest rate, principal & interest:

5.94% p.a. 3

Comparison rate from:
Comparison rate warning

5.99% p.a. *

Buy, refinance or build

Accelerator package -
3 year fixed

For new and existing owner occupier loans with an LVR up to 95%


3 year fixed rate, principal & interest:

6.04% p.a. 1

Comparison rate from:
Comparison rate warning

6.42% p.a. *

Buy, refinance or build

Accelerator Package - variable

For new and existing owner occupier loans with an LVR up to 95%


Variable interest rate, principal & interest:

6.04%p.a. 2

Comparison rate from:
Comparison rate warning

6.42%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.

Balance Variable Home Loan

Our Balance Variable home loan is fully featured and comes with a 100% offset account and access to redraw.   

Access the equity in your home

You may be able to borrow against up to 80% of the available equity in your home which can be a great way to finance a renovation, investment property, even a new car at home loan rates. If you're borrowing $50,000 or more, you can even take advantage of our latest home loan specials.

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.

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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.

Refinancing podcast

Listen to our podcast on refinancing and your home loan. Hosted by Carley Eldridge at Wiseberry Heritage and our Regional Partnership Manager, Shane Cridland

Find out 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

How an offset works

Reducing your interest takes more than just a low rate. An offset account can be a great tool to help you get ahead and pay your loan off sooner.

How it works

Buying before you're ready to sell?

A bridging loan can help you buy your next home while giving you up to 12 months to sell your current one.

How it works

You can view Target Market Determinations here

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

1 Rate is current as at 29/04/24, is for new money and switches 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. Fixed rate home loans may incur an early repayment fee if paid out during the fixed rate term.

2 Rate is current as at 17/11/23, is for new money and switches 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.

3 Rate is for owner occupied loans and is current as at 17/11/23 and subject to change without notice.

Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply.

*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 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170