A home loan that rewards you with a discounted interest rate, a 100% offset account with a Debit card plus savings on financial products and services. 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.
Features and benefits
- A discount off the standard fixed interest rate
- A 100% offset facility with the option to attached a Debit Card
- No monthly fees
- Annual fee of $395
- Use your money your way by making extra repayments without penalty and redraw your money as you need it
- Flexible repayment options – pay weekly, fortnightly or monthly
- Available for owner occupied, investment or construction purposes
- 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
- A discount off our standard fixed home loan rates
- Application and legal fee waived. For construction loans additional fee applies.
- A Debit card linked to your 100% Offset account with no transaction fees
- $0 annual fee on our low rate credit card (excludes pink and blue cards) – 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
-
When you join Peoplecare for your health cover, you’ll get a $150 EFTPOS voucher for singles or single parent cover OR $300 EFTPOS gift card (for couples and family cover) plus other discounts and waivers.^ Terms and conditions apply. To find out more, view T’s and C’s and apply for your voucher go to: https://www.peoplecare.com.au/cfcuvip
Fees
Standard home loan fees
- $0 application fee - includes one standard valuation and one legal fee for one security property
- Other valuation, legal and variation fees may apply. Additional fees apply for construction loans.
- $0 monthly fee
- $395 Accelerator Package annual fee
-
Redraw fee:
- Internet - free
- Staff Assisted (including BPAY®, internal and external transfers) $30
Additional fees such as; late-payment fee, discharge fee, variation fees may also apply. Please refer to current schedule of fees and charges.
Eligibility
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- 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
- Have an acceptable Credit Risk Profile (Credit Score)
- 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
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
- A discount off the standard fixed interest rate
- A 100% offset facility with the option to attached a Debit Card
- No monthly fees
- Annual fee of $395
- Use your money your way by making extra repayments without penalty and redraw your money as you need it
- Flexible repayment options – pay weekly, fortnightly or monthly
- Available for owner occupied, investment or construction purposes
- Different interest rates apply based on loan purpose and repayment types.
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
- A discount off our standard fixed home loan rates
- Application and legal fee waived. For construction loans additional fee applies.
- A Debit card linked to your 100% Offset account with no transaction fees
- $0 annual fee on our low rate credit card (excludes pink and blue cards) – 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
-
When you join Peoplecare for your health cover, you’ll get a $150 EFTPOS voucher for singles or single parent cover OR $300 EFTPOS gift card (for couples and family cover) plus other discounts and waivers.^ Terms and conditions apply. To find out more, view T’s and C’s and apply for your voucher go to: https://www.peoplecare.com.au/cfcuvip
Standard home loan fees
- $0 application fee - includes one standard valuation and one legal fee for one security property
- Other valuation, legal and variation fees may apply. Additional fees apply for construction loans.
- $0 monthly fee
- $395 Accelerator Package annual fee
-
Redraw fee:
- Internet - free
- Staff Assisted (including BPAY®, internal and external transfers) $30
Additional fees such as; late-payment fee, discharge fee, variation fees may also apply. Please refer to current schedule of fees and charges.
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- 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
- Have an acceptable Credit Risk Profile (Credit Score)
- 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.
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
Accelerator package home loan - fixed rate options
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