Home Loan
2 year fixed package rate from
2.29% p.a.1
Comparison rate  from
3.90% p.a.*

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. New Owner-occupied loans may be eligible to enjoy a 2 year fixed special when you apply by 30 June 2020^. 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 fixed interest rate 
  • A 100% offset facility with 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 
  • 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. 
  • Different interest rates apply based on loan purpose and repayment types.

View our Accelerator Home Loan Package fact sheet here: 

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
  • A Debit card linked to your 100% Offset account with no transaction fees
  • $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 and legal fee waived
  • Other valuation, legal and variation 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, variation fees may also apply. Please refer to current schedule of fees and charges.

 
® Registered to BPAY Pty Ltd ABN 69 079 137 518

Eligibility

You can apply if you:
  • 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)
 
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 - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package new loan offer - Owner-occupied Principal and Interest
2 year fixed package rate from
2.29% p.a.1
Comparison rate  from
3.90% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Owner-occupied Principal and Interest
1 year fixed package rate
2.54% p.a.1
Comparison rate
4.04% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Owner-occupied Interest Only
1 year fixed package rate
2.84% p.a.1
Comparison rate
4.06% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Owner-occupied Principal and Interest
2 year fixed package rate
2.54% p.a.1
Comparison Rate
3.94% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Owner-occupied Interest Only
2 year fixed package rate
2.84% p.a.1
Comparison rate
3.98% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Owner-occupied Principal and Interest
3 year fixed package rate
2.54% p.a.1
Comparison rate
3.85% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Owner-occupied Interest Only
3 year fixed package rate
2.84% p.a.1
Comparison rate
3.90% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Investor Principal and Interest
1 year fixed package rate
2.84% p.a.1
Comparison rate
4.34% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Investor Interest Only
1 year fixed package rate
3.14% p.a.1
Comparison rate
4.35% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Investor Principal and Interest
2 year fixed package rate
2.84% p.a.1
Comparison rate
4.23% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Investor Interest Only
2 year fixed package rate
3.14% p.a.1
Comparison rate
4.27% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Investor Principal and Interest
3 year fixed package rate
2.84% p.a.1
Comparison rate
4.14% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Investor Interest Only
3 year fixed package rate
3.14% p.a.1
Comparison rate
4.19% 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 fixed interest rate 
  • A 100% offset facility with 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 
  • 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. 
  • Different interest rates apply based on loan purpose and repayment types.

View our Accelerator Home Loan Package fact sheet here: 

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
  • A Debit card linked to your 100% Offset account with no transaction fees
  • $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 and legal fee waived
  • Other valuation, legal and variation 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, variation fees may also apply. Please refer to current schedule of fees and charges.

 
® Registered to BPAY Pty Ltd ABN 69 079 137 518
Eligibility
You can apply if you:
  • 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)
 
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 - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package new loan offer - Owner-occupied Principal and Interest
2 year fixed package rate from
2.29% p.a.1
Comparison rate  from
3.90% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Owner-occupied Principal and Interest
1 year fixed package rate
2.54% p.a.1
Comparison rate
4.04% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Owner-occupied Interest Only
1 year fixed package rate
2.84% p.a.1
Comparison rate
4.06% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Owner-occupied Principal and Interest
2 year fixed package rate
2.54% p.a.1
Comparison Rate
3.94% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Owner-occupied Interest Only
2 year fixed package rate
2.84% p.a.1
Comparison rate
3.98% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Owner-occupied Principal and Interest
3 year fixed package rate
2.54% p.a.1
Comparison rate
3.85% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Owner-occupied Interest Only
3 year fixed package rate
2.84% p.a.1
Comparison rate
3.90% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Investor Principal and Interest
1 year fixed package rate
2.84% p.a.1
Comparison rate
4.34% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

1 year fixed package Interest rate - Investor Interest Only
1 year fixed package rate
3.14% p.a.1
Comparison rate
4.35% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Investor Principal and Interest
2 year fixed package rate
2.84% p.a.1
Comparison rate
4.23% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

2 year fixed package Interest rate - Investor Interest Only
2 year fixed package rate
3.14% p.a.1
Comparison rate
4.27% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Investor Principal and Interest
3 year fixed package rate
2.84% p.a.1
Comparison rate
4.14% p.a.*
Picture of Accelerator package home loan - fixed rate options

Accelerator package home loan - fixed rate options

3 year fixed package interest rate - Investor Interest Only
3 year fixed package rate
3.14% p.a.1
Comparison rate
4.19% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate for new loans is current as at 06/04/20 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. 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. Offer Terms and Conditions: ^Interest rate is current as at 02/04/20 and is subject to change. Your interest rate and repayments may increase at the end of the 2 year term as a lower discount applies for the remaining term. Offer is for applications made by 30/06/20, funded by 30/09/20. Offer can be withdrawn at any time. Offer is available on the Accelerator Package home loan for new owner-occupied principal and interest loans with a minimum balance of $100,000 or for internal loan increases of at least $50,000. Lenders' Mortgage Insurance applies for LVR over 90%, with a maximum LVR of 95%. ^Break costs may apply for fixed loans refer to your terms and conditions for more information.  

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