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Community First Home Loans

Community First is a long established Australian credit union, having been operating for over 50 years.


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Community First CU

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Find everything you need to know about Community First home loans on this page. Skip ahead to the full table of products or read more about Community First home loans below.

Compare Community First Home Loans

Compare Community First home loans below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to go to Community First's website for the selected home loan.

Data indicated here is updated regularly
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Community First Accelerator Home Loan Package - 2 Year Intro Rate Variable New Loan Offer LVR 80% (Owner Occupier, P&I)
$395 p.a.
A package loan that offers discounts and a 100% offset account. Available on new loans or external refinances of $100,000 or more.
Community First Accelerator Home Loan Package - 3 Year Fixed (Investor, P&I)
$395 p.a.
A package loan that offers discounts and a 100% offset account.
Community First Fixed Rate Home Loan - 2 Year (Owner Occupier, P&I)
$0 p.a.
This fixed rate loan offers a 100% offset account and the flexibility to make extra repayments. Eligible new home buyers with low deposits can apply for the First Home Loan Deposit Scheme with this lender and avoid LMI costs.

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Community First lender profile

  • Community First Credit Union started business in 1959. It's a mutual organisation, meaning it delivers benefits to members rather than shareholders.
  • Today Community First has more than 68,000 members. They have fifteen branches in Sydney and the NSW Central Coast.
  • Community First offers home loans, personal loans, credit cards, savings accounts, bank accounts, car loans and insurance products.

Community First mortgage features

Community First offers fixed and variable rate mortgages, with options for home buyers and investors plus package loans that bundle other Community First products together.

Deposit sizeMany Community First home loans are available with a 5% deposit (95% max insured LVR), including some of its most competitive offers.
Offset accountThe Community First Fixed Home Loan comes with a 100% offset account.
Redraw facilityMost Community First products offer fee-free redraw facility.

How do I apply for a Community First mortgage?

You can learn more about a specific Community First mortgage by clicking through to that product's review page. Clicking "Go to site" on the Community First comparison table will take you through to the lender's website.


Each Community First product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Community First you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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2 Responses

  1. Default Gravatar
    FayeMarch 31, 2016

    Can you get a home loan for 150000 with 50.000 deposit if on a disability pension. Age 39.

    • Avatarfinder Customer Care
      BelindaApril 1, 2016Staff

      Hi Faye,

      Thanks for reaching out.

      We have a page about home loans for Centrelink recipients where you’ll see that most lenders do accept the disability pension as a secondary income source. On this page, you can enquire with a mortgage broker to discuss your borrowing needs and your borrowing capacity.

      Please note that lenders treat these types of applications on a case-by-case basis and the amount you can borrow will depend on a range of factors including your income sources, assets, credit history and any debts that you have (e.g. credit cards or personal loans).

      You might be interested to use our borrowing power calculator to get an estimate of the amount you can afford to borrow.


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