First Home

Becoming a homeowner is a significant milestone that marks a new chapter in your life

Embarking on Your Homeownership Journey with Laboratories Credit Union

At Laboratories Credit Union, we understand that the journey to owning your first home is both exciting and complex. That's why we're here to guide you through every step of the process, providing you with the support and financial solutions you need to turn your homeownership dreams into reality.

Why Choose Laboratories Credit Union for Your First Home Purchase?


1. Tailored Financial Solutions:

We recognize that every first-time homebuyer’s situation is unique. Our experienced team is dedicated to crafting personalized financial solutions that suit your specific needs and goals. From competitive mortgage rates to flexible repayment options, we’re committed to helping you find the perfect fit for your budget.


2. Expert Guidance:

Navigating the world of real estate can be overwhelming, especially if you’re a first-time buyer. Our knowledgeable loans team are here to demystify the process, answering your questions and providing guidance at every turn. With Laboratories Credit Union by your side, you can make informed decisions with confidence.


3. Competitive Mortgage Rates:

Securing a mortgage with favourable rates is a crucial aspect of your home purchase. At Laboratories Credit Union, we offer competitive rates that help you save money over the life of your loan. Our commitment to providing cost-effective solutions ensures that your investment is as financially savvy as it is fulfilling.


4. Community and Support:

When you choose Laboratories Credit Union, you’re not just a customer – you’re a valued member of our community. We’re dedicated to fostering connections and building relationships that extend beyond financial transactions.

Your journey as a first-time homebuyer is a significant milestone, and Laboratories Credit Union is honoured to be a part of it. With our tailored financial solutions, expert guidance, and commitment to your success, you can trust us to make your home ownership dreams come true. Let’s embark on this exciting adventure together – your new home awaits, and Laboratories Credit Union is here to make it a reality.

Savvy First Home
Buyer Loan


Our Savvy First Home Buyer Loan is designed to help first home buyers pay off their home loan as quickly as possible!

Discount of 0.50%1 for the first 3 years of your loan

100% offset

No redraw fees

No ongoing fees

Variable and lump sum repayments

Automatic repayment from salary

Only available for owner-occupier loans


Take a look at our Home Loans

At LCU, we have a wide range of home loans which have been tailored to suit your needs. For full details on our various home loans and rates,

Ready to get started?

When you’re ready to apply, you can book an appointment online or request a call from a LCU home lending specialist who will help you with your application.

our offers

Our home loans offers

With an LCU home loan you can expect the following:

100% offset

No redraw fees

No ongoing fees

Early repayment options without penalty for variable rate home loans

Variable and lump sum repayments

Automatic repayment from salary

Apply online
Apply now

How do I apply?

Applying is simple! At LCU you have the flexibility to apply whenever and wherever you want to.

Quick Start home loan application Apply online now
Call us (02) 9859 0585
Our home loan application form Download now
Visit us at our branch Contact Us
Things you should know

1 Rates are subject to change. Please refer to our rates and fees page. Credit eligibility criteria, terms & conditions, fees & charges apply.

2 Comparison rate based on a loan of $150,000 over 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.