Certainty
Enjoy certainty of repayments with a discounted fixed rate for 1, 2 or 3 years. At the end of the fixed term, the rate reverts to the variable Accelerator Package. Or, re-fix for a further term.
Flexible
Includes a 100% offset account (up to 2) with debit card at no extra cost. There's no annual repayment limits and you can redraw funds in advance.
Low fuss
Borrow up to 95% of the property value with Lenders' Mortgage Insurance 3 to finance the purchase, build or refinance the property you live in.
Owner occupied
1 year fixed
|
Principal and interest
|
6.14% p.a.1 |
|
Comparison rate:
|
6.43% p.a.* |
2 year fixed
|
Principal and interest
|
6.14% p.a.1 |
|
Comparison rate:
|
6.44% p.a.* |
3 year fixed
|
Principal and interest
|
6.14% p.a.1 |
|
Comparison rate:
|
6.44% p.a.* |
Features and benefits
0.15%p.a.
Discount
A discount off our standard fixed rates. Reverts to the variable Accelerator Package at the end of the term or re-fix for a further term.
$395
Annual fee
The annual package fee you pay to unlock discounts, like a 100% offset account with debit card and a life of loan discount.
$0
Application fee
Includes one standard valuation and one legal fee for one security property. Additional fees apply for construction loans.
$0
Online redraw fee
Staff Assisted redraw (e.g. BPAY® 4 , internal and external transfers) are $30.
$0
Credit Card annual fee
Applies to approved applicants for our low rate credit card (excludes pink and blue cards) – saving you $40.
$0
Personal Loan fee
We'll waive the application fee on our personal loan - a saving of $249 to approved applicants.
Up to 10%
Insurance discount
A discount up to 10% on the first years' base premium only on home and/or contents and/or car insurance purchased through us. 5
1
Free loan variation
Each year, we'll give you one free loan variation saving you $250. Refer to our fees and charges for more information.
Now you can save on your home loan and your health insurance
Join Peoplecare for your health cover, you’ll get a $150 EFTPOS voucher for singles or single parent cover OR a $300 EFTPOS gift card (for couples and family cover) plus other discounts and waivers. 2
Find out moreYou can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 24/11/23, is for new money and switches and subject to change without notice. Application and 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. Additional upfront fees apply for construction loans. Your interest rate and repayments may increase at the end of the fixed term as a lower discount applies for the remaining term. Break costs apply to fixed rate loans. You should refer to your terms and conditions for more information.
2 This offer is for Community First Bank members who have an existing or take out a new “Accelerator Package” Home Loan product. This offer is for first-time new Peoplecare members only who join a Hospital and Extras cover (combo cover). This offer can only be claimed once. Must quote promo code CFCUVIP to be eligible for the offer. Limit is $150 per single and single parent policy and $300 per couple and family policy. Members who purchase Ambulance only, Hospital only, Extras only or Overseas Student Health Cover (OSHC) covers are not eligible for the promotion. Offer expires 30 June 2024. Cannot be redeemed for cash or credit. The 2 & 6 month waiver of waiting periods applies to extras cover and doesn’t include Hospital waits. All Hospital waits still apply (unless you’re transferring from an equivalent or higher level of cover with another fund). 12 & 24 month waiting periods for extras cover still apply (unless you’re transferring from an equivalent or higher level of cover with another fund). For full details on waiting periods please visit https://www.peoplecare.com.au/waitingperiods. The membership must be current and paid up-to-date at the time the offer is being redeemed. Peoplecare membership must be held for 30 days prior to the EFTPOS gift card being issued. Peoplecare can withdraw this offer at any time without notice. This offer is for a limited time only. The Gift Card received is subject to the standard Gift Card conditions and exclusions. For full Terms of Use please visit: https://www.egivv.com/gift-card-terms-conditions/.
3 Lenders' Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
4 ® Registered to BPAY Pty Ltd ABN 69 079 137 518
5 Insurance discount only applies to the base premium and does not apply to optional extras you may choose to add to your policy.
*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 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170