Advertised rate Comparison rate* Monthly repayment Rate TypeOffsetRedrawOngoing FeeUpfront FeesLVRLump Sum RepaymentAdditional RepaymentsPre-approval

FixedMore details

Fixed Rate Home Loan 1 Year

FixedMore details

Fixed Rate Investment Loan 1 Year

VariableMore details

Discounted Variable Home Loan (2 Year Introductory)

VariableMore details

Construction Home Loan

VariableMore details

Standard Variable Home Loan

VariableMore details

Interest Only Home Loan

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *Comparison rate is based on a loan of $150,000 over a term of 25 years. Please note the comparison rate only applies to the examples given Rates correct as of January 22, 2022.

Family First Credit Union is a member-owned financial co-operative, established in 1967 as the S.A.F.E Credit Union. It changed its name to Family First Credit Union during its annual general meeting in 1997. Being a credit union, all profits are distributed back to members. Its business emphasis is about providing members with a financial facility that offers a comprehensive range of financial products and services, friendly and helpful service and prices that are fair and competitive.

Members can contact Family First Credit Union by calling the customer support line or by filling out the online enquiry form. Customers located in Lithgow, Bathurst, Blackheath or Mudgee can visit one of these branches. Customers also have access to the rediATM partner network Australia-wide.

Family First Credit Union has been providing its members with a comprehensive range of financial products and services including home loans, savings and transaction accounts, financial planning, insurance and travel solutions. Its home loan products can suit a wide range of borrowers and even accommodate borrowers who have small deposits.

Aside from offering the products listed above, Family First Credit Union annually supports many wonderful organisations in the communities where it operates through its Community Support Program. The program offers grants of up to $2,000 per region – Lithgow, Bathurst, Blackheath and Mudgee (including their surrounds), total grants of up to $30,000 that may be made available at the committee’s discretion and a chance for more than one recipient to be considered per region.

With an impressive growth in membership and assets, Family First Credit Union has contributed to the lifestyle of its members, providing a secure place for savings and a source of sensible borrowing. As a member, you can enjoy the benefits of the credit union’s top priority: to improve your lifestyle and financial well-being. Any resident in Australia can become a Family First member. To become a member, simply complete a member application form and subscribe for a member share in the credit union.

Borrowers wanting to apply for a Family First Credit Union home loan can either complete a loan application form online or call the customer support for assistance with the application. To apply for a Family First home loan, you will need to supply the following:

  • Proof of identity
  • Employment details including proof of income
  • A list of monthly expenses
  • A list of assets and liabilities including any car or personal loans