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.
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.
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 Loan Deposit Scheme supports eligible first home buyers purchase their first home sooner (places for this financial year are now exhausted), while the New Home Guarantee supports eligible first home buyers to build or purchase a new home.
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 more
Featured home loans
Buy, refinance or build
Accelerator package - fixed
For new and existing occupier loans with an LVR up to 95%
3 year fixed rate, principal & interest:
|3.19% p.a. 1|
Comparison rate from:
|3.83% p.a. *|
Other home loan choices
Basic Home Loan
Fixed Home Loan
Standard Variable Home Loan
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.
Help for buying a home
We're a participant in the Australian Government's Schemes to help with buying a home. Spaces are limited.More about the Schemes
A 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 more
Home 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 current as at 24/12/21 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. Your interest rate and repayments may increase at the end of the fixed term as a lower discount applies for the remaining term. Break costs apply to fixed rate loans. You should refer to your terms and conditions for more information.
2 Rate is current as at 1/08/21 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.
*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 | AFSL and Australian credit licence 231204 | BSB 512-170