Go Basic home loan

A simple, low-fuss loan for the home you live in

Owner occupied – maximum LVR 80%

Principal and Interest

Owner occupied – maximum LVR 95%

Principal and Interest

Simple

A simple, low fuss loan with no monthly or annual fees to fund the purchase, refinance or construction of the home you live in.

Flexible

Make extra repayments, access to redraw and pay out early without penalty. Plus choose weekly, fortnightly or monthly repayments.

Low fuss

Borrow up to 95% of the property value with Lenders’ Mortgage Insurance2 , reducing the size of the deposit you need.

Features and benefits

$0

Monthly fee

No ongoing monthly fees to keep things simple.

$0

Annual fee

No annual recurring fee each year to remember.

$600

Application fee

Includes one standard valuation and legal fees for one security property. 4

$0

Online redraw fee

Redraw funds in advance via Internet Banking. Staff assisted redraws cost $30.

How to apply

You can apply online, over the phone or by visiting one of our financial services stores. One of our Mortgage Specialists will guide you through the process.

Apply onlineRequest a Call Back

Calculate your repayments

See what your repayments would be based on different rates and terms with our loan repayments calculator

Find out more

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
  • Your account transaction listing where your income is deposited, via our Bank Statements service

Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Everyday transaction account statements where your income is credited to via our Bank Statements service.
  • Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
  • Copy of current rates notice if it is a mortgage application

Home Loan Key Facts Sheet

Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.

Fees and charges

Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.

You can view Target Market Determinations here . 

Credit eligibility criteria, terms & conditions, fees & charges apply.

1 Rates are for owner occupied loans and are current as at 28/08/25 and subject to change without notice.

2  Rates are for owner occupied loans and are current as at 28/08/25 and subject to change without notice. Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.

4  Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply. 

*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Personal Loan

An unsecured loan for just about any worthwhile purpose with fixed and variable options.

Apply now

Personal loan

Variable rate up to 7 years

Variable rate

9.74%p.a. 1

Comparison rate:
Comparison rate warning

10.77%p.a. *

Personal loan

Fixed rate up to 7 years

Fixed rate

9.74%p.a. 1

Comparison rate:
Comparison rate warning

10.77%p.a. *

Features and benefits

Convenience

An unsecured loan for just about any worthwhile purpose.

Flexible

Borrow from as little as $3,000 with loan terms from 1-7 years.

Peace of mind

You can make extra repayments and redraw funds in advance if you need it.

$10

Monthly fee

We’ll simply add this to your loan each month.

$249

Application fee

We’ll simply add this to your loan.

1-7

Year loan terms

Spread your loan over 1-7 years.

$3,000

Minimum loan amount

Fund even your small dreams.

How to apply

You can apply online, over the phone or by visiting one of our financial services stores.

Apply now

Looking to fund home improvements?

Our home improvement loan comes with a great low rate and is just one way home owners can make those home projects happen.

Find out more

Fees and charges

An Early Repayment Fee (ERF) applies for fixed loans. For a full list of fees and charges refer to our latest schedule.

Fees and charges

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
  • Depending on your application, your account transaction listing where your income is deposited, via our Bank Statements service

Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Everyday transaction account statements where your income is credited to via our Bank Statements service
  • Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
  • Copy of current rates notice if it is a mortgage application

You can view Target Market Determinations here. 

Credit eligibility criteria, terms & conditions, fees & charges apply.

1 Rate is current as at 11/09/25 and subject to change without notice.

*The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Home Improvement Loan

An unsecured loan for home owners to help make your home projects happen

Apply now

Home Improvement Loan

For loan terms 1 – 10 years

Variable Interest rate:

6.29%p.a. 1

Comparison rate from:

7.34%p.a. *

An unsecured personal loan for home owners to make improvements to your home or investment property.

Features and benefits

Value

An unsecured loan for home owners to fund the cost of home improvements.

Affordable

Borrow from as little as $1,000 with loan terms from 1-10 years.

Flexible

Pay out your loan early without penalty and redraw payments in advance.

$10

Monthly fee

We’ll simply add this to your loan each month.

$249

Application fee

We’ll simply add this to your loan.

$0

Early payout penalty

No penalty for paying off your loan early.

$1000

Minimum loan amount

Fund even your small purchases for your home.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Apply online

What can I finance?

It can be used for fixed home improvements or renovation purposes on the home you own or for your residential investment property.

It can’t be used for purposes which are non-fixed, for example purchasing soft furnishings and/or appliances, repairing furniture or appliances and interior decorating.

The work must be carried out by a certified tradesperson, and a quote or invoice will need to be supplied as part of the application process.

For example…

  • Swimming pools and spas
  • House extensions
  • Landscaping
  • Fencing, flooring
  • Granny flats
  • Roofing
  • Blinds
  • Upgrades to kitchens, bathrooms or other rooms
  • Upgrades to heating and air conditioning

Fees and charges

Refer to our fees and charges schedule for more information on fees that may be applicable.

Fees and charges

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
  • Depending on your application, your account transaction listing where your income is deposited, via our Bank Statements service

Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Everyday transaction account statements where your income is credited to via our Bank Statements service
  • Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
  • Copy of current rates notice if it is a mortgage application


Credit eligibility criteria, terms & conditions, fees & charges apply. You can view Target Market Determinations here . 
1 Rate for new loans is current as at 11/09/25 and subject to change without notice.
*The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Car loan

Drive away with a great rate on a new or used vehicle up to 5 years old

Apply now

Fixed car loan

For vehicles up to 5 years old

Fixed Interest rate:

6.04%p.a. 1

Comparison rate from:

7.09%p.a. *

Can be used for cars, caravans, boats and motorbikes that can be registered.

Variable car loan

For vehicles up to 5 years old

Variable Interest rate:

6.04%p.a. 2

Comparison rate from:

7.09%p.a. *

Can be used for cars, caravans, boats and motorbikes that can be registered.

Features and benefits

Easy

Loans over 1-7 years so you can find a repayment to suit your budget.

Flexible

Peace of mind that you can redraw repayments made in advance on your loan.

Swift

We can arrange a swift conditional approval so you can start car hunting.

$10

Monthly fee

A small monthly fee applies.

$249

Application fee

We’ll simply add this to your loan. Includes the PPSR fee.

$10,000

Minimum loan amount

Maximum loan amount is subject to credit assessment.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Apply online

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.
  • Depending on your loan, your account transaction listing where your income is deposited, via our Bank Statements service

Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Everyday transaction account statements where your income is credited to via our Bank Statements service
  • Statements of any loans or credit cards you are refinancing to us via our Bank Statemnets service
  • Copy of current rates notice if it is a mortgage application

Fees and charges

An Early Repayment Fee (ERF) applies for fixed loans. Refer to our latest fees and charges schedule for more information about fees and charges.

Fees and charges


Credit eligibility criteria, terms & conditions, fees & charges apply. You can view Target Market Determinations here . 
1 Rate is current as at 11/09/25 and subject to change without notice.
2 Rate is current as at 11/09/25 and subject to change without notice.
*The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Green Loan

Help the planet and your pocket with a low rate unsecured loan for environmentally friendly products for your home.

Apply now

Personal loans

Green Loan

For loan terms 1 – 10 years

Variable Interest rate:

6.29%p.a. 1

Comparison rate from:

7.34%p.a. *

Finance the cost of environmentally friendly improvements to your home such as solar panels and more.

Features and benefits

Value

An unsecured loan for environmentally friendly products, like solar panels.

Affordable

Borrow from as little as $1,000 with loan terms from 1-10 years.

Flexible

Pay out your loan early without penalty and redraw payments in advance.

$10

Monthly fee

We’ll simply add this to your loan each month.

$249

Application fee

We’ll simply add this to your loan.

$0

Early payout penalty

No penalty for paying off your loan early.

$1000

Minimum loan amount

Fund even your small purchases for your home.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Apply online

What can I finance?

A green loan can be used to finance the cost of environmentally friendly products around the home, such as solar panels, rain water tanks and more. To be eligible to apply, you need to be the home owner of the property.

The work must be carried out by a certified tradesperson where appropriate, and a quote or invoice will need to be supplied as part of the application process.

For example…

  • Solar panels
  • Solar hot water systems and solar pool heaters
  • Split system, evaporative cooler or high star rated, zoned air conditioner
  • Insulation
  • External awnings
  • Gas, solar, hydronic or reverse cycle air conditioners with a minimum 4 star rating
  • Highly efficient electric heaters (minimum 5 stars) or solar, hydronic or heat pump system
  • Rainwater tanks
  • Double glazing
  • Photo voltaic (PV) panels and systems
  • Grey water treatment system
  • Vertical axis wind turbines
  • Light Emitting Diode (LED) lighting
  • Home ventilation systems

You can apply if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
  • Depending on your application, your account transaction listing where your income is deposited, via our Bank Statements service

Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
  • Proof of any rental income for properties via real estate statement or copy of executed lease
  • Latest Notice Of Assessments for each applicant
  • Everyday transaction account statements where your income is credited to via our Bank Statements service
  • Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
  • Copy of current rates notice if it is a mortgage application

Fees and charges

Refer to our fees and charges schedule for more information on fees that may be applicable.

Fees and charges


Credit eligibility criteria, terms & conditions, fees & charges apply. You can view Target Market Determinations here . 
1 Rate for new loans is current as at 11/09/25 and subject to change without notice
*The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.