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

True Value Home Loan


Our True Value home loan gives you a standard variable interest rate which moves in line with the market, whether it will be up or down.

Features and benefits

  • No annual fees
  • No account keeping fees
  • 100% offset account attached
  • No penalty for additional repayments
  • Redraw available with no minimum redraw amount
  • Available for owner occupied or investment purposes
  • Maximum LVR of 80% (or 95% with Lenders Mortgage Insurance)
  • Weekly, fortnightly or monthly repayment options
  • 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

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.