Owner occupied

1 year fixed

Principal and interest
interest rate:

2.74 % p.a.1

Comparison rate:
Comparison rate warning

3.81 % p.a.*

2 year fixed

Principal and interest
interest rate:

2.94 % p.a.1

Comparison rate:
Comparison rate warning

3.75 % p.a.*

3 year fixed

Principal and interest
interest rate:

3.34 % p.a.1

Comparison rate:
Comparison rate warning

3.75 % p.a.*

1 year fixed

Interest only
interest rate:

3.04 % p.a.1

Comparison rate:
Comparison rate warning

3.84% p.a.*

2 year fixed

Interest only
interest rate:

3.24% p.a.1

Comparison rate:
Comparison rate warning

3.80% p.a.*

3 year fixed

Interest only
interest rate:

3.64% p.a.1

Comparison rate:
Comparison rate warning

3.86% p.a.*

Features and benefits

Certainty

Enjoy certainty of repayments for 1, 2 or 3 years. At the end of the fixed term, the rate reverts to the relevant standard variable rate at that time. Or, re-fix for a further term.

Flexible

Includes a 100% offset account 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 2 to finance the purchase, build or refinance the property you live in.

$0

Monthly fee

No ongoing monthly fees to keep things simple.

$0

Annual fee

No recurring annual fees to remember.

$600

Application fee

Valuation, legal and variation fees may apply.

$15

Online redraw fee

Redraw funds in advance via Internet Banking. Staff assisted redraws cost $30.

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.

Coming off a fixed term?

Members with a fixed rate expiring are given a 0.80%p.a. loyalty discount off the standard variable rate for investors. Alternatively, you can choose to fix for a further term.

Home Loan Key Facts Sheet

Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.

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 Interest rate is current as at 24/12/21 and is subject to change. At the end of the fixed period the interest rate will revert back to the standard variable rate at the time with a loyalty discount of 0.80% p.a. and repayment amounts will change, unless a new fixed term is selected. Maximum LVR of 95% (Lenders' Mortgage Insurance applies for LVR over 80%).

2 Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply. 

3 Participating lenders only. 7 days is the minimum time to complete the refinance, a number of factors may impact the time needed to complete the request.

*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