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A place with consistently better home loan rates
| InfoChoice has estimated that Australians cost themselves $2.7 billion in excess mortgage payments because they stick with the big banks and don’t seek out other players. On average, home owners who take a mortgage out with a credit union or building society are more than $30,000 better off over the life of the loan - Infochoice.**
| Our home loan choices
| Community First has a range of competitive home loans to suit home buyers (including first home buyers), refinancers and investors. If you need help choosing, try our product selector tool.
| What type of home loan do you need?
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| - A simple easy to manage home loan with a low ongoing variable rate
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| | - A home loan package that rewards you with a substantial interest rate discount, fee free banking and a range of other discounts on financial products and services.
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| | - A standard variable interest rate which moves in line with the market, whether it will be up or down
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| | - You want the security of a low fixed rate for one year before switching to a variable rate
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| | - The security of knowing what your repayments will be over a fixed term
- You're concerned about rising interest rates and want to cap your interest rate for a fixed term
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Why choose Community First for your home loan?
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When you take out a home loan and become a Member of Community First, you will be eligible for a Member Allowance which rewards you, for the more business you have with Community First. It's our way of helping our Members minimise or even avoid paying fees and charges.
For example, if you take out a $100,000 mortgage, we will grant you $27 worth of free transactions per month on your Community First transaction account, should you choose to have one. Additional rebates can be gained by Members when they hold further products such as credit cards and insurance policies.
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Applying for a home loan with Community First
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Depending on what is most convenient for you, you can choose to apply online, over the phone, or by visiting one of our Financial Services Stores. After you apply for a loan with Community First, we will contact you within 24-48 hours regarding your application.
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We'll come to you - just choose the time and place
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We understand that choosing a home loan can seem a little daunting. You might prefer to sit down and speak with some one face to face about your options, or you might feel more comfortable having some one assist you to complete your home loan application. If you can't get to a Community First Store, you can book one of our Mobile managers. They can visit you at a time and place that suits you to help you through the whole process.
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Why choose us?
| Community First is owned by its Members which means that unlike banks who generate profits to satisfy shareholders, our profits go back in to creating better products, more competitive rates and superior levels of service. At Community First, it all comes back to you.
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* *All lending subject to lending guidelines. Terms and conditions, fees and charges apply - details available on application.
** Savings based on Infochoice analysis of average 4 major banks and 4 best credit union and building society variable home loan rates at 15 June 2010 for $300,000 over 25 years, without fees/charges
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