Just starting out and want the security of a low fixed rate for one year before switching to a variable rate?

Our introductory interest rate is fixed for one year before returning to our low variable interest rate. This not only saves you money on interest for the first year of your loan while you settle in to paying off your new home, but also gives you the financial security of knowing what your repayments will be for a whole year.

Features and benefits

• A low capped rate for the first 12 months*
• No annual fee
• No account keeping fees
• 100% offset account attached
• Ability to make 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
Find out about the First Home Owners Boost

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.