Owner occupied

1 year fixed

Principal and interest
interest rate:

6.29% p.a.1

Comparison rate:
Comparison rate warning

6.34% p.a.*

2 year fixed

Principal and interest
interest rate:

6.29% p.a.1

Comparison rate:
Comparison rate warning

6.34% p.a.*

3 year fixed

Principal and interest
interest rate:

6.29% p.a.1

Comparison rate:
Comparison rate warning

6.34% 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 Balance Variable Home Loan.
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

Includes one standard valuation and legal fees for one security property. 3

$0

Online redraw fee

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

Coming off a fixed term?

Members with a fixed rate expiring (non-package) will now revert to the Balance Variable Home Loan. Alternatively, you can choose to fix for a further term.

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.

Rate Lock

Find out how you can protect against possible rate rises prior to your fixed loan settling.

You can view Target Market Determinations here

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

1 Interest rate is current as at 24/11/23, is for new money and switches and is subject to change. At the end of the fixed period your principle and interest loan and interest rate will revert to the Owner Occupied Balance Variable Home Loan and the repayment amount will change. Alternatively, you can select a new fixed term. Maximum LVR of 95% (Lenders' Mortgage Insurance applies for LVR over 80%). For expiring fixed terms during interest only periods, we encourage you to contact us to discuss your options.

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

3 Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply. 

*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