Peace of mind

We've helped many Australians in to their first home. Our team of Mortgage Specialists can help guide you through the process.

Low deposit

There's a number of initiatives on offer to help  you buy your first home sooner, and the good news is that you don't need a 20% deposit.


We offer competitive rates and flexible solutions for first home buyers, even if you only have a small deposit.

Support for buying a home

The Australian Government offers a number of initiatives to help people in buying a home. The First Home Guarantee and Regional First Home Buyer Guarantee supports eligible first home buyers purchase their first home sooner. 

There's also the Family Home Guarantee, which provides eligible single parents with dependents the opportunity to build a new home or purchase an existing home with a deposit of 2 per cent, subject to the individual’s ability to service a home loan.

Find out more

Featured home loans

Buy, refinance or build

True Basic Variable 
home loan

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

Variable interest rate, principal & interest:

5.94% p.a. 1

Comparison rate from:
Comparison rate warning

5.99% p.a. *

Buy, refinance or build

Accelerator Package - variable

For new 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 comes fully featured with a 100% offset account and access to redraw.

Help for buying a home

We're a participant in the Australian Government's Schemes to help with buying a home. Spaces are limited.

Read more

A young couple's journey

Read about how two of our members found their first time perfect home and what supports they were able to access to make it happen.

Read more

Don't have a cash deposit?

Deposit bonds can help if you want to buy a property but don’t have immediate access to a cash deposit - but you will by the time of settlement.

Read more

Jargon busting your way into a home

Buying a home is a significant purchase. Let us break down the home buying jargon.

Read more

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.

You can view Target Market Determinations here.

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

1 Rate is for owner occupied loans and is current as at 01/12/23 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.

2 Rate is current as at 01/12/23, is available 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.

*The comparison rate is based on a secured 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