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 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
Interest rate:

2.59% p.a.1

Comparison rate:
Comparison rate warning

3.83% p.a.*

2 year fixed

Principal and interest
Interest rate:

2.79% p.a.1

Comparison rate:
Comparison rate warning

3.79% p.a.*

3 year fixed

Principal and interest
Interest rate:

3.19% p.a.1

Comparison rate:
Comparison rate warning

3.83% p.a.*

1 year fixed

Interest only
Interest rate:

2.89% p.a.1

Comparison rate:
Comparison rate warning

3.84 % p.a.*

2 year fixed

Interest only
Interest rate:

3.09% p.a.1

Comparison rate:
Comparison rate warning

3.82% p.a.*

3 year fixed

Interest only
Interest rate:

3.49% p.a.1

Comparison rate:
Comparison rate warning

3.88% 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 $195 to approved applicants.

10%

Insurance discount

A 10% discount on the first years premium on home and/or contents and/or car insurance purchased through CFCU.

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.

Now you can save on your home loan and your health insurance

Join Peoplecare for your health cover, you’ll get a $150 EFTPOS voucher for singles or single parent cover OR a $300 EFTPOS gift card (for couples and family cover) plus other discounts and waivers. 2

Find out more

Accelerator Loan Summary

A summary of the fixed Accelerator home loan to give you an overview of what you get and how it works.

Home Loan Key Facts Sheet

Please take a moment to review the Home Loan Key Facts Sheet before you begin.

Fees and charges

Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.

You can view Target Market Determinations here. 

Credit eligibility criteria, terms & conditions, fees & charges apply.

1 Rate is current as at 24/12/21 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.

2  This offer is for Community First Credit Union members who have an existing or take out a new “Accelerator Package” Home Loan product. This offer is for first-time new Peoplecare members only who join a Hospital and Extras cover (combo cover). This offer can only be claimed once. Must quote promo code CFCUVIP to be eligible for the offer. Limit is $150 per single and single parent policy and $300 per couple and family policy. Members who purchase Ambulance only, Hospital only, Extras only or Overseas Student Health Cover (OSHC) covers are not eligible for the promotion. Offer expires 31 December 2021. Cannot be redeemed for cash or credit. The 2 & 6 month waiver of waiting periods applies to extras cover and doesn’t include Hospital waits. All Hospital waits still apply (unless you’re transferring from an equivalent or higher level of cover with another fund). 12 & 24 month waiting periods for extras cover still apply (unless you’re transferring from an equivalent or higher level of cover with another fund). For full details on waiting periods please visit https://www.peoplecare.com.au/waitingperiods. The membership must be current and paid up-to-date at the time the offer is being redeemed. Peoplecare membership must be held for 30 days prior to the EFTPOS gift card being issued. Peoplecare can withdraw this offer at any time without notice. This offer is for a limited time only. The Gift Card received is subject to the standard Gift Card conditions and exclusions. For full Terms of Use please visit: https://www.egivv.com/gift-card-terms-conditions/.

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

*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 | AFSL and Australian credit licence 231204 | BSB 512-170