Find your new home loan.

Our home loans are simple to understand, and easy to manage. We offer a range of home loans that are specialised to ensure you get the features and benefits most suited to your needs.

Home and Investment Loans

Buying a home will be one of the biggest purchases of your life and it’s our goal to help make it a simple and easy process. We’re local and here to look after you. Our home loans are simple to understand, and easy to manage. We offer a range of home loans that are specialised to ensure you get the features and benefits most suited to your needs.

Discounted Variable Rate Home Loan

Our Discounted Variable Rate Home Loans guaranteed to be 1.00%p.a. under the standard variable mortgage rate for the first 12 months of your home loan. It is suitable for first time home buyers, property investors and those looking to refinance their homes.

  • Competitive introductory variable rate options (1.00%p.a. under the Standard Variable Mortgage rate for the first 12 months)
  • Redraw facility available
  • Flexible repayment options

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

up to 95% of the property value with Lenders Mortgage Insurance, 80% without

Loan period

Up to 30 years

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Lump sum payments without penalty

Yes

Early termination fee

No

Redraw facility

Yes,  online redraws are free but fees apply for branch redraws

Property valuations

Yes

Monthly service fees

No

Auto repayments

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
3.05%
pa
interest rate
From
4.03%
pa
comparison rate

Standard Variable Rate Home Loan

Our Standard Variable Rate Home Loans are suitable for first time home buyers, families who need extra space, property investors and those looking to refinance their homes.

  • Competitive variable rate
  • Redraw facility available
  • Flexible repayment options
  • Member Relationship Fee Rebate Scheme

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

up to 95% of the property value with Lenders Mortgage Insurance, 80% without

Loan period

Up to 30 Years

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Lump sum payments without penalty

Yes

Early termination fee

No

Redraw facility

Yes,  online redraws are free but fees apply for branch redraws

Property valuations

Yes

Monthly service fees

No

Auto repayments

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
4.05%
pa
interest rate
From
4.12%
pa
comparison rate

Fixed Rate Home Loan

With our Fixed Rate Home Loans, you’ll have peace of mind knowing that your repayments will not be altered during the fixed period.

  • Peace of mind with fixed repayments
  • Lock in a great rate for up to 3 years
  • Flexible repayment options

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

up to 95% of the property value with Lenders Mortgage Insurance, 80% without

Loan period

Up to 30 years

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Lump sum payments without penalty

Yes up to $10,000 per year

Fee for Breaking fixed term?

Yes

Redraw facility

Yes,  online redraws are free but fees apply for branch redraws

Property valuations

Yes

Monthly service fees

No

Auto repayments

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
4.05%
pa
interest rate
From
4.12%
pa
comparison rate

Construction Home Loan

Build the house of your dreams with flexible funding from our Construction Home Loan.

  • Competitive variable rate
  • Flexible repayment options
  • No principal repayments require until the full loan is drawn

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

up to 95% of the property value with Lenders Mortgage Insurance, 80% without

Loan period

12 months

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Variable and lump sum payments without penalty

Interest only

Early repayment without penalty

Yes

Redraw facility

No

Property valuations available

Yes

Monthly service fees

No

Auto repayments

Yes

Loan establishment fee

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
4.05%
pa
interest rate
From
4.12%
pa
comparison rate

Interest Only Home Loan

An Interest Only Home Loan is ideal for property investors and renovators as repayments are only required for the interest earned on the principal during the term of your loan.

  • Repay the principal lump sum or renegotiate the loan at the end of the term
  • No monthly account keeping or service fees
  • Borrow up to 90% of the property value

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

up to 90% of the property value with Lenders Mortgage Insurance, 80% without

Loan period

5 years

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Variable and lump sum repayments

No

Early repayment without penalty

Yes

Redraw facility available

No

Property valuations available

Yes

Monthly service fees

No

Auto repayments

Yes

Loan establishment fee

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
4.90%
pa
interest rate
From
4.98%
pa
comparison rate

Bridging Home Loan

Our Bridging Home Loan gives you the funds to buy your new home whilst you await the sale of your existing property.

  • 100% offset account
  • 1 year fixed term
  • No monthly account keeping fees

Interest rate

View our interest rates

Minimum amount

$20,000

Maximum amount

80% of the property’s final value

Loan period

1 year then reverts to principle and interest

Flexible repayment options

Weekly, fortnightly or monthly

Interest charges

Calculated daily, charged monthly

Third party legal & valuation fees

At cost $1040 (approx)

Variable and lump sum repayments

No

Early repayment without penalty

Yes

Redraw facility available

No

Property valuations available

Yes

Monthly service fees

No

Auto repayments

Yes

Loan establishment fee

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
4.30%
pa
interest rate
From
4.37%
pa
comparison rate

Mortgage Secured Overdraft

Use our Mortgage Secured Overdraft to cover those peak periods when unexpected bills arrive and pay a low interest rate on the amount you borrow. Access money when needed and pay a low interest rate on what you use.

  • Borrow for any purpose and have a revolving credit facility
  • Pay a low, ongoing, interest rate
  • No monthly fees

Interest rate

View our interest rates

Minimum amount

$5,000

Maximum amount

80% of the property value

Loan period

N/A

Flexible repayment options

Due monthly

Interest charges

Calculated daily, charged monthly on the portion of the overdraft used

Third party legal & valuation fees

At cost $1040 (approx)

Lump sum payments without penalty

Yes

Early termination fee

No

Redraw facility

N/A

Property valuations

Yes

Monthly service fees

No

Auto repayments

Yes

Loan establishment fee

Yes

This table is provided as a guide only. Terms and conditions are available on application or request.

From
5.60%
pa

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Questions?

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Comparison rates are calculated on the basis of a secured loan of $150,000 over a 25 year term. These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

This is general information only and your needs and financial circumstances have not been taken into account. Terms, conditions, fees and charges may apply. Before using any of Family First Credit Union’s products or services you should read our Financial Services Guide.

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