Second hike in a month: Macquarie lifts fixed home loan rates
The major lender has jacked up fixed rates for owner-occupiers and investors for the secon...
05 Dec, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
4.79% p.a. | 5.62% p.a. | $2,620 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.89% p.a. | 5.61% p.a. | $2,651 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.94% p.a. | 5.21% p.a. | $2,666 | Principal & Interest | Fixed | $0 | $600 | 80% | |||||||||||||
4.99% p.a. | 5.82% p.a. | $2,681 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.99% p.a. | 5.25% p.a. | $2,681 | Principal & Interest | Fixed | $0 | $600 | 80% | |||||||||||||
5.09% p.a. | 5.70% p.a. | $2,712 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
5.09% p.a. | 5.80% p.a. | $2,712 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
5.09% p.a. | 5.28% p.a. | $2,712 | Principal & Interest | Fixed | $0 | $600 | 80% |
Important Information and Comparison Rate Warning
What you need to know about Community First Bank home loans
Community First Bank is a customer-owned bank that began in 1959 as the Sydney Water Board Officers Credit Union Co-Op. More than 60 years later it still operates for the benefit of its members, offering a range of mortgages and everyday banking products. The bank keeps a local focus with around a dozen branches across Sydney and the NSW Central Coast while also providing full online and phone support. It's also behind the Illawarra Credit Union and Easy Street Financial Services brands.
You might find Community First Bank a good fit if you:
- Work in an eligible frontline or professional role and want to avoid LMI
The bank's Community Advantage mortgage sees lenders mortgage insurance (LMI) waived for approved nurses, teachers, police, doctors, and other listed occupations on loans up to 90% LVR. - Want the option of a feature-rich, flexible loan or a basic offering
Community First offers variable, fixed, and split-rate options via its Boost Package home loan, which also includes up to ten offset accounts for variable loans, plus fee waivers on other products for an annual fee of $395. Meanwhile, its Basic home loan demands no annual fee but doesn't offer an offset account. - Plan to access the 5% Deposit Scheme
The bank participates in the 5% Deposit Scheme, which allows eligible buyers to purchase with a deposit of under 20% without paying for LMI. - Would like to make extra repayments on a fixed rate
Unlike most lenders, Community First Bank doesn't limit the amount of extra repayments a fixed rate borrower can make, though charges may apply if a borrower repays their home loan entirely during their fixed rate term. - Like in-person service around Sydney and online banking elsewhere
If you prefer talking to staff face-to-face, Community First maintains branches in suburbs such as Dee Why, Liverpool, Penrith and Erina Fair. Otherwise, borrowers will likely be best to manage their home loan online or via the bank's app. - Want a member-owned lender that values community involvement
Being a mutual means the bank's profits are reinvested to improve products and keep fees low. It also supports the McGrath Foundation, the Prostate Cancer Foundation of Australia, and the Queenscliff Surf Life Saving Club.
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