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Home and Investment Loans

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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 either 1.00%p.a. under the standard variable mortgage rate for the first 12 months of your home loan or alternatively 0.50%p.a. under the standard variable mortgage rate for the first 2 years of your home loan. They are 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 or 0.50%p.a. under the Standard Variable Mortgage rate for the first 24 months)
  • Redraw facility available
  • Flexible repayment options
  • Member Relationship Fee Rebate Scheme

From

3.85% pa

interest rate

4.82% pa

comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 Mortgage paid out within 4 years of initial draw down. NB only applies to loans settled before 30/6/2011
Redraw facility Yes, a fee applies for each redraw
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

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

From
4.85% pa
interest rate

4.92% pa
comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 Mortgage paid out within 4 years of initial draw down. NB only applies to loans settled before 30/6/2011
Redraw facility Yes, a fee applies for each redraw
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

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

 

From

4.15% pa

interest rate

4.85% pa

comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 Mortgage paid out within 4 years of initial draw down. NB only applies to loans settled before 30/6/2011
Redraw facility Yes, a fee applies for each redraw
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

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
  • Member Relationship Fee Rebate Scheme

From

4.85% pa

interest rate

4.92% pa

comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 Fee applies only if repaid within 4 years
Redraw facility No
Property valuations available Yes
Monthly service fees No

Loan Repayment Insurance available

No
Auto repayments Yes
Loan establishment fee N/A
This table is provided as a guide only. Terms and conditions are available on application or request.

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

From

4.85% pa

interest rate

4.92% pa

comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 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 Fee applies only if repaid within 4 years
Redraw facility available No
Property valuations available Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
Loan establishment fee Only applies to top up of existing loan
This table is provided as a guide only. Terms and conditions are available on application or request.

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 or 2 year fixed term
  • No monthly account keeping fees
  • Redraw facility available

 

From

4.85% pa

interest rate

4.92% pa

comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
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 Fee applies only if repaid within 4 years
Redraw facility available No
Property valuations available Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
Loan establishment fee N/A
This table is provided as a guide only. Terms and conditions are available on application or request.

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
  • Approval in as little as 24 hours
  • No monthly fees

From

5.35% pa

interest rate

apply now

enquire now

calculate

  Additional Information
Interest rate View our interest rates
Minimum amount $20,000
Maximum amount 80% of the property value, up to 95% with Lenders Mortgage Insurance
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 Fee applies only if repaid within 4 years
Redraw facility N/A
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available No
Auto repayments Yes
Loan establishment fee Only applies to top up of existing loan
This table is provided as a guide only. Terms and conditions are available on application or request.

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Questions?

If you have any questions, please contact us.  enquire now

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