Home Loan
2 year fixed package rate loans (max LVR 80%) from
1.99% p.a.1
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 fund by 30 November 2020 (max LVR 80%)^. 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.
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 (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
^This offer is for Community First Credit Union 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 31 December 2020. 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/.
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 - 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.
® 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
Accelerator package home loan - fixed rate options
2 year fixed package new loan offer (max LVR of 80%) - Owner-occupied Principal and Interest
2 year fixed package rate loans (max LVR 80%) from
1.99% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package new loan offer (max LVR of 95%) - Owner-occupied Principal and Interest
2 year fixed package rate loans (max LVR 95%)
2.29%p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Owner-occupied Principal and Interest
1 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Owner-occupied Interest Only
1 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Owner-occupied Principal and Interest
2 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Owner-occupied Interest Only
2 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Owner-occupied Principal and Interest
3 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Owner-occupied Interest Only
3 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Investor Principal and Interest
1 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Investor Interest Only
1 year fixed package rate
2.94% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Investor Principal and Interest
2 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Investor Interest Only
2 year fixed package rate
2.94% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Investor Principal and Interest
3 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Investor Interest Only
3 year fixed package rate
2.94% p.a.1
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 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.
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 (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
^This offer is for Community First Credit Union 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 31 December 2020. 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/.
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 - 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.
® 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
Accelerator package home loan - fixed rate options
2 year fixed package new loan offer (max LVR of 80%) - Owner-occupied Principal and Interest
2 year fixed package rate loans (max LVR 80%) from
1.99% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package new loan offer (max LVR of 95%) - Owner-occupied Principal and Interest
2 year fixed package rate loans (max LVR 95%)
2.29%p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Owner-occupied Principal and Interest
1 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Owner-occupied Interest Only
1 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Owner-occupied Principal and Interest
2 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Owner-occupied Interest Only
2 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Owner-occupied Principal and Interest
3 year fixed package rate
2.34% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Owner-occupied Interest Only
3 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Investor Principal and Interest
1 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
1 year fixed package Interest rate - Investor Interest Only
1 year fixed package rate
2.94% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Investor Principal and Interest
2 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
2 year fixed package Interest rate - Investor Interest Only
2 year fixed package rate
2.94% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Investor Principal and Interest
3 year fixed package rate
2.64% p.a.1
Accelerator package home loan - fixed rate options
3 year fixed package interest rate - Investor Interest Only
3 year fixed package rate
2.94% p.a.1
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate for new loans is current as at 20/07/20 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. 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. Offer Terms and Conditions: ^Interest rate is current as at 04/08/20 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 eligible applications submitted from 4/8/2020 and funded by 30/11/2020 and 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. Offer rate of 1.99% p.a. is only available for new loans with a maximum LVR is 80%. Offer rate of 2.29% p.a. is only available for new loans with maximum LVR of 95%. ^Break costs may apply for fixed loans refer to your terms and conditions for more information. Related products and services
A low rate credit card with the same low rate on purchases, cash advances and balance transfers.
A low rate credit card with the same low rate on purchases, cash advances and balance transfers.
