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Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money.

Expert review

The Community First Fixed Home Loan comes with no annual fees and a 100% offset account. It also provides the convenience of a redraw facility with no minimum redraw amount and the ability to make additional repayments of up to $25,000 per year without attracting a redraw penalty.

The Community First Fixed Home Loan is available for both owner-occupiers and property investors, with loan amounts of up to 80% of the purchase price (80% LVR) or up to 95% for those with Lenders Mortgage Insurance (LMI). It includes handy repayment options with your choice weekly, fortnightly or monthly repayments and accommodates those looking for a loan term of up to 30 years.

About this loan

What are the features and benefits of the Community First Fixed Home Loan?

By allowing borrowers to make additional repayments up to $25,000 per year, the Community First Fixed Home Loan accommodates borrowers whose goal is to pay off their mortgage as fast as possible, without slugging them with fees, charges and penalties for trying to get ahead.

Secondly, the Community First Fixed Home Loan provides an unlimited redraw facility with no minimum redraw amount. Again, many fixed home loans do not provide this facility and for those that do, they often include either restrictions or charges for using the facility. This flexibility allows borrowers to better manage their cash flow to ensure life's little surprises are covered if they rear their head at the wrong time.

How to manage your Community First Fixed Home Loan

There's a number of ways you can manage your home loan with Community First, including Internet banking, mobile banking, telephone banking, via E-statements or over the counter at Community First's 13 Financial Service Stores.


How to apply

It takes just 24-48 hours to have your pre-approval arranged through Community First. You can also arrange to have a mobile manager come to you to sit down and assist you with the application process face to face and to answer any questions that you may have along the way.

To make an enquiry or to get the ball rolling with a pre-approval, simply contact one of their professionals.

Home Loan Offers

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