a brighter future
At Community First, we put our members before profit.

Fixed Rate Home Loans


If you don’t like surprise’s when it comes to your interest repayments. then why not protect yourself against possible rate rises by fixing your home loan rate.

At Community First, we provide fixed rate home loan terms from 1 to 3 years.

Features and benefits

  • No annual fees
  • No account keeping fees
  • 100% offset account attached
  • Redraw available with no minimum redraw amount
  • Ability to make additional repayments
  • Available for owner occupied or investment purposes
  • Maximum LVR of 80% (or 95% with Lenders Mortgage Insurance)
  • Option of weekly, fortnightly or monthly repayments
  • Reverts to Standard Variable rate at the end of the fixed period with the ability to select a further fixed term
  • Maximum loan term of 30 years

View our current home loan interest rates and fees and charges

Compare all of our home loan features
Visit our Q&A section on home loans

Lock in your rate at application with our rate lock option

When applying for a fixed home loan, you have the option of locking in the fixed interest rate that is current at the conditional approval stage, for a maximum period of 90 days. This means that even if our fixed interest rates change between the date of conditional approval and funding, you will still receive the interest rate current at the conditional approval stage (unless the rate at funding is lower).

The rate lock fee is $500 or 0.15% of the loan amount, whichever is higher. If you request a rate lock fee, you will be charged the fee when your loan is conditionally approved and your rate is locked in.

How to apply for a Rate Lock

  • If you apply for your home loan via a Store: print our Rate lock fee form> and forward it to the Community First Store where you submit your loan application.
  • If you appy by phone or online, print our Rate lock fee form> and fax it to 02 9735 1661 or post it to Community First Credit Union, PO Box 98, Lidcombe NSW 1825.

 
Why choose Community First for your home loan?

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.

Apply now

The quickest and easiest way to apply online. It will only take you approximately 10 minutes provided you have all the information you need handy.

Apply online

If you have any questions you would like answered before you begin, you can contact us.

Other ways to apply


All loans subject to lending guidelines. Terms and Conditions, fees and charges apply - details available on application. After the Fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate.