Home Loan
Interest rate from
3.69% p.a.1
Comparison rate  from
4.09% p.a.*

A home loan that rewards you with a discounted interest rate, transaction fee-free banking plus savings on financial products and services. Please take a moment to review the Home loan Key Facts Sheet before you begin. 

clock
Apply online and get an instant response

Features and benefits

  • Life-of-loan discount off the standard variable interest rate 
  • Deposit your money into a 100% offset facility which allows you to reduce the interest on your home loan
  • Save money with no monthly fees
  • Low annual fee of $395
  • Use your money your way by making extra repayments without penalty and redraw your money as you need it 
  • Benefit from flexible repayment options – pay weekly, fortnightly or monthly 
  • Available for owner occupied or construction purposes 
  • You can borrow up to 95% of the property value with lenders mortgage insurance. Lenders mortgage insurance will apply if you borrow over 80% of the property value
  • If you borrow 80% or less of the property value lenders mortgage insurance may not be required.

Package benefits

Interest rate and fee discounts on your loan, plus discounts on other products and services: 

Enjoy all these benefits for one annual fee of $395

  • Transaction fee free banking
  • $0 annual fee on our low rate credit card – saving you $40
  • $0 application fee on personal loans – saving you $195
  • Free, no obligation consultation, with Bridges financial planning 
  • A 10% discount on the first years premium on home and/or contents and/or car insurance 

Fees

  • New Money Offer - $0 application fee applies to application, legal and valuation fee with only one valuation fee waived. Government charges or any exit costs may be incurred from your existing lender. 

 

  • New application fee $600
  • Valuation, legal and top up fees may apply
  • Accelerator Package Annual Fee $395
  • Redraw fee:
    • Internet (BPAY​® , internal and external transfers) $15
    • Staff Assisted $30

 

Additional fees such as; late-payment fee, discharge fee, top up fee may also apply. Please refer to current schedule of fees and charges.

 
® Registered to BPAY Pty Ltd ABN 69 079 137 518

Borrowing power calculator

Loan repayment calculator

Stamp duty calculator

Eligibility

You can apply if you:
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen, a permanent resident or have an approved working Visa
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
 
What you may need to apply:
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

 

Rates

Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Principal & Interest New Money Offer
Interest rate from
3.69% p.a.1
Comparison rate  from
4.09% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Principal & Interest
Interest rate from
4.37% p.a.1
Comparison rate  from
4.82% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Interest Only
Interest rate
4.72% p.a.1
Comparison rate
5.05% p.a.*
How to apply
You can choose to apply online, over the phone, or by visiting one of our Financial Services Stores.
Features and benefits
  • Life-of-loan discount off the standard variable interest rate 
  • Deposit your money into a 100% offset facility which allows you to reduce the interest on your home loan
  • Save money with no monthly fees
  • Low annual fee of $395
  • Use your money your way by making extra repayments without penalty and redraw your money as you need it 
  • Benefit from flexible repayment options – pay weekly, fortnightly or monthly 
  • Available for owner occupied or construction purposes 
  • You can borrow up to 95% of the property value with lenders mortgage insurance. Lenders mortgage insurance will apply if you borrow over 80% of the property value
  • If you borrow 80% or less of the property value lenders mortgage insurance may not be required.
Package benefits

Interest rate and fee discounts on your loan, plus discounts on other products and services: 

Enjoy all these benefits for one annual fee of $395

  • Transaction fee free banking
  • $0 annual fee on our low rate credit card – saving you $40
  • $0 application fee on personal loans – saving you $195
  • Free, no obligation consultation, with Bridges financial planning 
  • A 10% discount on the first years premium on home and/or contents and/or car insurance 
Fees
  • New Money Offer - $0 application fee applies to application, legal and valuation fee with only one valuation fee waived. Government charges or any exit costs may be incurred from your existing lender. 

 

  • New application fee $600
  • Valuation, legal and top up fees may apply
  • Accelerator Package Annual Fee $395
  • Redraw fee:
    • Internet (BPAY​® , internal and external transfers) $15
    • Staff Assisted $30

 

Additional fees such as; late-payment fee, discharge fee, top up fee may also apply. Please refer to current schedule of fees and charges.

 
® Registered to BPAY Pty Ltd ABN 69 079 137 518
Borrowing power calculator

Loan repayment calculator
Stamp duty calculator
Eligibility
You can apply if you:
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen, a permanent resident or have an approved working Visa
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
 
What you may need to apply:
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

 

Rates
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Principal & Interest New Money Offer
Interest rate from
3.69% p.a.1
Comparison rate  from
4.09% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Principal & Interest
Interest rate from
4.37% p.a.1
Comparison rate  from
4.82% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Owner-occupied Interest Only
Interest rate
4.72% p.a.1
Comparison rate
5.05% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 22/12/17 and subject to change without notice. Offer Terms and Conditions: Offer began on 22/12/17 and is for applications made and approved by 08/08/18, funded by 08/11/18. Offer can be withdrawn at any time. Offer is available on the Accelerator Package home loan for new money applications, owner-occupied principal and interest loans, maximum LVR of 95% (lenders mortgage insurance required for LVR over 80%). $0 application fee offer applies to application, legal and valuation fee with only one valuation fee waived. Government charges or any exit costs may be incurred from your existing lender. Minimum loan size is $100,000.  

Related products and services