Features and benefits
With no monthly or annual fees, you can use this loan to fund the purchase, refinance or construction of the home you live in.
Make extra repayments, access to redraw and pay out early without penalty. Plus a 100% offset account at no extra cost.
Borrow up to 95% of the property value with Lenders' Mortgage Insurance, reducing the size of the deposit you need. 2
No ongoing monthly fees to keep things simple.
No recurring annual fees to remember.
Valuation, legal and variation fees may apply. Additional fees apply for construction loans.
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. Alternatively, you can choose to fix for a further term.
Home Loan Key Facts Sheet
Fees and charges
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate for new loans is current as at 31/03/20 and subject to change without notice.
2 Some suburb exclusions apply. Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%.
*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