Home loans

All the good bits, without the ongoing fees.

We go where few go

We’ve kept our home loans super simple with just 2 home loan choices – fixed or variable. We’ve broken free from the norm by offering the same competitive rate for owner occupiers and investors, so you can enjoy more value.

Unlock your home equity

Whether you’re looking to buy an investment property, are planning a renovation or are just after access to more funds for life’s ups and downs, utilising the available equity in your home is one way many Australians have been able to unlock some borrowing power to help move things along.

Find out more

How to apply

You can apply online or give us a call – one of our Mortgage Specialists will be in touch.

Apply online

Awards and recognition

Australia’s Best Small Customer Owned Bank | Mozo 2024

Best Customer-Owned Home Loan Lender | Finder 2025

Best Investor P&I Variable Home Loan | Finder 2025

Refinance and save

For the easiest way to refinance, find out about our Fast Refi option.

Read more

Mortgage resilience

Here are 4 steps you can take to improve your resilience and stay on top of your mortgage.

Read more

No cash deposit?

A deposit bond can help if you want to buy a property but won’t have the cash until settlement.

Read more

You can view Target Market Determinations here

Credit eligibility criteria, terms & conditions, fees & charges apply. Available for home loans with a maximum exposure of $1 million.

© A division of Community First Credit Union Limited ABN 80 087 649 938 | AFSL and Australian credit licence 231204 | BSB No 512 170