First home buyers

Loans to help you buy or build your very first home.

Owner occupiers

Refinance, buy your next home or renovate your existing one.

Investors

Loans for investors to buy, build or refinance an investment property.

Already have a home loan with us?

Whether you need to top up your loan, switch your loan or simply change something, we've got you covered...

Find out more

Featured home loans

Owner occupiers

Accelerator package

For new loans $500,000+ 


3 year fixed principal and interest rate - max LVR 80%:

1.79%p.a. 1

Comparison rate from:
Comparison rate warning

3.12%p.a. *

Owner occupiers

Accelerator package

For new lending of at least $50,000


2 year variable introductory rate, principal and interest repayments - max LVR of 80%:

1.99%p.a. 1

Comparison rate from:
Comparison rate warning

3.25%p.a. *

Low deposit loan

Accelerator package

For new lending of at least $50,000


2 year variable intro rate, principal and interest - max LVR of 95%:

2.29%p.a. 3

Comparison rate from:
Comparison rate warning

3.90%p.a. *

Buying your first home?

Find out about what help is in place to help get you in to your first home sooner.

Read more

Refinance faster than ever

Use our Fast Refi service to switch your loan faster than ever - we'll even deal with your current lender for you.

Read more

Community support

You could borrow up to 90% of the property value with no Lenders' Mortgage Insurance if you work in one of these eligible professions.

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

How to apply

You can apply online, over the phone or at one of our financial services stores. One of our Mortgage Specialists will guide you through the whole process.

Please take a moment to view the Home Loan Key Facts Sheet before you begin.

You can view Target Market Determinations here

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

1 Offer terms and conditions: Offer is for eligible applications submitted by 24/12/21 and funded by 31/03/22 and can be withdrawn at anytime. Offer is available on Accelerator Package home loans for new loans with a minimum balance of $500,000 or for internal loan increases of at least $50,000 where the total loan amount is over $500,000. 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. At the end of the 3 years, enjoy a life of loan discount of 1.65% p.a. off the owner-occupier standard variable home loan rate, and your repayments may increase as a lower discount applies. Government charges or any exit costs may be incurred from your existing lender. Maximum LVR of 80%. 

2 Offer terms and conditions: Offer is for eligible applications submitted by 30/11/21 and funded by 28/02/22 and can be withdrawn at anytime. Offer is available on Accelerator Package home loans for new loans with a minimum balance of $100,000 or for internal loan increases of at least $50,000. 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. Your interest rate and repayment may increase during the introductory period if the standard variable interest rate moves. At the end of the 2 years, enjoy a life of loan discount of 1.65% p.a. off the owner-occupier standard variable home loan rate, and your repayments may increase as a lower discount applies. Government charges or any exit costs may be incurred from your existing lender. Maximum LVR of 80%.

3 Offer terms and conditions: Offer is for eligible applications submitted between 30/11/21 and 28/02/2022 and funded by 31/12/21. Offer can be withdrawn at anytime. Offer is available on Accelerator Package home loans for new loans with a minimum balance of $100,000 or for internal loan increases of at least $50,000. 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. Your interest rate and repayments may increase at the end of the 2 year term as a lower discount applies for the remaining term. Government charges or any exit costs may be incurred from your existing lender. Maximum LVR of 95%. Lenders' Mortgage Insurance is required for LVR over 80%.

*The comparison rate is calculated on a 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 | AFSL and Australian credit licence 231204 | BSB 512-170