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Our True Basic home loan is a simple easy to manage home loan with our lowest ongoing variable interest rate. It has all the standard features you would expect but you are only charged on a pay-as-you-use basis.
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True Basic Home Loan Features
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- Variable interest rate, currently 5.73% p.a.* (Comparison rate 5.82%p.a.**)
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- No annual fee
- No account keeping fees
- Redraw available with no minimum redraw amount
- No penalties for making additional repayments
- Available for owner occupied, investment or construction purposes
- Maximum LVR of 80% (or 95% with Lenders Mortgage Insurance)
- Weekly, fortnightly or monthly repayment options
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Ways to manage your home loan
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- Internet Banking (optional)
- Mobile Banking (optional)
- Telephone Banking (optional)
- E-statements (optional)
- Over the counter at our 11 Financial Services Stores
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Applying for a home loan with Community First
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Depending on what is most convenient for you, you can choose to apply online, over the phone, or by visiting one of our Financial Services Stores. After you apply for a loan with Community First, we will contact you within 24-48 hours regarding your application.
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Loan calculators
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Our Loan Calculators will help you work out a range of calculations such as how much you may be able to borrow, what your repayments will be, and how additional repayments can affect your loan term and interest paid.
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We'll come to you - just choose the time and place
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We understand that choosing a home loan can seem a little daunting. You might prefer to sit down and speak with some one face to face about your options, or you might feel more comfortable having some one assist you to complete your home loan application. If you can't get to a Community First Store, you can book one of our Mobile managers. They can visit you at a time and place that suits you to help you through the whole process.
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Want to find out more? We'll call you
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Simply complete our online home loan enquiry form and a Member Service Officer will phone you back either as soon as possible, or at time suitable to you.
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* All lending subject to lending guidelines. Terms and conditions, fees and charges apply - details available on application. Rate is current as at 09/05/13 and subject to change without notice. **WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Example is based on $150,000 over 25 years.
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