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Family First Credit Union home loans

Since 1967, 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. Being a Credit Union, all profits are distributed back to members. While Family First membership is available to customers Australia-wide, the branch network is centred around Lithgow, Blackheath and Bathurst.

Family First Home Loan Calculator
Interested in a Family First home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Family First compares to its competitors. Simply plug in your borrowing amount below.

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Mark Bristow

Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

23 Dec, 2024

Why choose Family First Credit Union

Benefits

Variety of home loan products to suit a wide range of borrowers.
Loans can accommodate borrowers with smaller deposits.
Some loans offer discounts on interest rates.

Drawbacks

Limited branch network.
Some loans have higher moderate to high interest rates.

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Family First Credit Union customer service

Family First Credit Union members can contact the bank by calling the customer support line or by filling out the online enquiry form. Customers located in Lithgow, Blackheath or Bathurst can pop into a local Family First Credit Union branch. Family First Credit Union Customers have access to the rediATM partner network Australia wide.

✓ Customer service centre (phone)

✓ Online banking

✓ Mobile banking staff

How to Apply

Borrowers wanting to apply for a Family First Credit Union home loan can either complete a loan application form online or call customer support for assistance with the application. Before applying for a Family First Credit Union home loan, think about what you can afford to borrow and what other costs you need to consider. To apply for this Family First home loan, you will need to supply the following information:

Employment details including proof of income.
A list monthly expenses.
A list of Assets and Liabilities including any car or personal loans.
Provide proof of identity.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Family First Credit Union home loans

Why choose Family First Credit Union

Benefits

Drawbacks

Family First Credit Union Home Loans