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.
Value
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 moreFeatured home loans
Buy, refinance or build
True Basic Variable
home loan
For owner occupier loans with an LVR up to 95%
| Variable interest rate, principal & interest: | 5.94% p.a. 1 |
| Comparison rate from: | 5.99% p.a. * |
Buy, refinance or build
Accelerator Package -
2 year fixed home loan
For owner occupier loans with an LVR up to 95%
| Variable interest rate, principal & interest: | 5.64%p.a. 2 |
| Comparison rate from: | 6.34%p.a. * |
Other home loan choices
Basic Home Loan
Fixed Home Loan
Balance Variable Home Loan
Community Advantage
Home Loan
borrowing up to 90% of the value of a home, for eligible professions
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 moreA 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 moreDon'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 moreJargon busting your way into a home
Buying a home is a significant purchase. Let us break down the home buying jargon.
Read moreHome Loan Key Facts Sheet
Fees and charges
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 15/10/24, is available for owner occupier loans 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. Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
*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