Owner occupied

Standard variable

LVR up to 95%2

Principal and interest
Interest rate:

5.89% p.a.1

Comparison rate:
Comparison rate warning

5.96% p.a.*

Standard variable

LVR up to 95%2

Interest only
Interest rate:

6.24% p.a.1

Comparison rate:
Comparison rate warning

6.11% p.a.*

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.

Low fuss

Borrow up to 95% of the property value with Lenders' Mortgage Insurance, reducing the size of the deposit you need. 2


Monthly fee

No ongoing monthly fees to keep things simple.


Annual fee

No recurring annual fees to remember.


Application fee

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

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 Rate for new loans is current as at 01/08/22 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