Certainty
Enjoy certainty of repayments with a discounted fixed rate for 1, 2 or 3 years. At the end of the fixed term, the rate reverts to the variable Accelerator Package. Or, re-fix for a further term.
Flexible
Includes a 100% offset account (up to 2) with debit card at no extra cost. There's no annual repayment limits and you can redraw funds in advance.
Low fuss
Borrow up to 95% of the property value with Lenders' Mortgage Insurance 3 to finance the purchase, build or refinance the property you live in.
Owner occupied
1 year fixed
|
Principal and interest
|
6.14% p.a.1 |
|
Comparison rate:
|
6.43% p.a.* |
2 year fixed
|
Principal and interest
|
6.04% p.a.1 |
|
Comparison rate:
|
6.42% p.a.* |
3 year fixed
|
Principal and interest
|
6.04% p.a.1 |
|
Comparison rate:
|
6.42% p.a.* |
Features and benefits
0.15%p.a.
Discount
A discount off our standard fixed rates. Reverts to the variable Accelerator Package at the end of the term or re-fix for a further term.
$395
Annual fee
The annual package fee you pay to unlock discounts, like a 100% offset account with debit card and a life of loan discount.
$0
Application fee
Includes one standard valuation and one legal fee for one security property. Additional fees apply for construction loans.
$0
Online redraw fee
Staff Assisted redraw (e.g. BPAY® 4 , internal and external transfers) are $30.
$0
Credit Card annual fee
Applies to approved applicants for our low rate credit card (excludes pink and blue cards) – saving you $40.
$0
Personal Loan fee
We'll waive the application fee on our personal loan - a saving of $249 to approved applicants.
Up to 10%
Insurance discount
A discount up to 10% on the first years' base premium only on home and/or contents and/or car insurance purchased through us. 5
1
Free loan variation
Each year, we'll give you one free loan variation saving you $250. Refer to our fees and charges for more information.
How to apply
You can apply online, over the phone or by visiting one of our financial services stores. One of our Mortgage Specialists will guide you through the process.
Supplying your Bank Statements
As part of your supporting documentation for your home loan application, we will require a copy of your transaction listing for the bank account your income is deposited to. This must be supplied via our Bank Statements service.
Find out moreYou can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 29/04/24, is for new money and switches and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Your interest rate and repayments may increase at the end of the fixed term as a lower discount applies for the remaining term. Break costs apply to fixed rate loans. You should refer to your terms and conditions for more information.
3 Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
4 ® Registered to BPAY Pty Ltd ABN 69 079 137 518
5 Insurance discount only applies to the base premium and does not apply to optional extras you may choose to add to your policy.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 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.
Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170