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With our Honeymoon home loan, you get a low fixed rate for one year before returning to our standard variable interest rate. This not only saves you money on interest for the first year of your loan while you settle in to paying off your new home, but also gives you the financial security of knowing what your repayments will be for a whole year.
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Honeymoon home loan features and benefits
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- A low fixed rate for the first 12 months*, currently 4.99% p.a* (Comparison rate 6.29%p.a.**)
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- No annual fee
- No account keeping fees
- 100% offset account attached
- No penalties for making additional repayments
- Redraw available with no minimum redraw amount
- Available for owner occupied or investment purposes
- Maximum LVR of 80% (or 95% with Lenders Mortgage Insurance)
- Weekly, fortnightly or monthly repayment options
- Maximum loan term of 30 years
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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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This product is issued by Community First Credit Union Limited ABN 80 087 649 938, AFSL/Australian Credit Licence No. 231204. 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. **Comparison rate is calculated on a loan amount of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Offer ends 16/03/13. All loans must settle before 26/04/13. Offer valid for new business only. Please consider the relevant Product Conditions of Use available from Community First Credit Union Limited by calling 1300 13 22 77, visiting your local Financial Services Store or www.communityfirst.com.au before deciding whether this product is appropriate for you.
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