Home Loan
2 year discounted variable rate from
3.49% p.a.1
Comparison rate  from
4.39% p.a.*

A home loan that rewards you with a discounted interest rate, a 100% offset account with Visa Debit card plus savings on financial products and services. New loans enjoy a 2 year introductory discount when you apply by 31 October 2019^. Different interest rates apply based on loan purpose and repayment types. Please take a moment to review the Home Loan Key Facts Sheet before you begin. 

 

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Features and benefits

  • A 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, investment 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
  • Different interest rates apply based on loan purpose and repayment types

 

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

  • 100% offset account with Visa Debit card
  • $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

Standard home loan fees

  • Application fee for new applications $600
  • Valuation, legal and top up fees may apply
  • $0 monthly fee
  • $395 Accelerator Package annual fee
  • 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)

Owner-occupied new loan offer for loans under $250,000 principal & interest
2 year discounted variable rate from
3.49% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Investment new loan offer for loans under $250,000 principal & interest
2 year discounted variable rate from
3.79% p.a.1
Comparison rate  from
4.68% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Investment new loan offer for loans under $250,000 interest only
2 year discounted variable rate
3.79% p.a.1
Comparison rate
4.66% 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
4.09% p.a.1
Comparison rate  from
4.54% 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
4.44% p.a.1
Comparison rate
4.65% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Investment Principal & Interest
Interest rate
4.39% p.a.1
Comparison rate
4.84% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Investment Interest Only
Interest rate
4.74% p.a.1
Comparison rate
4.95% 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
  • A 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, investment 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
  • Different interest rates apply based on loan purpose and repayment types

 

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

  • 100% offset account with Visa Debit card
  • $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

Standard home loan fees

  • Application fee for new applications $600
  • Valuation, legal and top up fees may apply
  • $0 monthly fee
  • $395 Accelerator Package annual fee
  • 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)

Owner-occupied new loan offer for loans under $250,000 principal & interest
2 year discounted variable rate from
3.49% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Investment new loan offer for loans under $250,000 principal & interest
2 year discounted variable rate from
3.79% p.a.1
Comparison rate  from
4.68% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Investment new loan offer for loans under $250,000 interest only
2 year discounted variable rate
3.79% p.a.1
Comparison rate
4.66% 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
4.09% p.a.1
Comparison rate  from
4.54% 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
4.44% p.a.1
Comparison rate
4.65% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Investment Principal & Interest
Interest rate
4.39% p.a.1
Comparison rate
4.84% p.a.*
Picture of Accelerator package home loan (less than $250K)

Accelerator package home loan (less than $250K)

Loans less than $250,000 - Investment Interest Only
Interest rate
4.74% p.a.1
Comparison rate
4.95% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 01/08/19 and subject to change without notice. Offer terms and conditions: ^Offer is for applications made by 31/10/19, funded by 31/01/20 and can be withdrawn at anytime. Offer is available on Accelerator Package home loans with a minimum balance of $100,000 or for internal loan increases of at least $50,000. Legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Your interest rate and repayments may increase at the end of the 2 year term as a lower discount applies for the remaining term.  

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