Home Loan
2 year owner occupier variable rate with Accelerator Package
2.29% p.a.1
Comparison rate
3.90% p.a.*

Available for new lending from $100,000 for owner occupiers with principal and interest repayments and a maximum LVR of 95%. Apply by 30 September 2021 and fund by 31 December 2021. View the Home Loan Key Facts Sheet before you begin. 

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About the offer

Spruce up your home loan rate and trim your repayments 

 

  • Get a low variable interest rate for the first 2 years 
  • After the 2 year period, enjoy a life of loan discount of 0.90% p.a. off the owner occupier standard variable home loan rate 

 

Are you eligible?

This offer is for applications submitted between 22 January 2021 and 30 September 2021 with loans funded by 31 December 2021 eligible. The offer can be withdrawn at any time. Available on the Accelerator Package home loan for owner occupiers with principal and interest repayments and a maximum LVR of 95%. Applies to new lending with a minimum balance of $100,000 or for internal loan increases of at least $50,000. 

Features and benefits

Enjoy savings across your home loan and everyday banking

 

  • A life of loan discount off the standard variable home loan rate for owner occupiers
  • A 100% offset account (up to 2) with optional debit card and no transaction fees
  • Access to redraw
  • Flexible repayment options: pay weekly, fortnightly or monthly
  • $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 

     

View our Accelerator Home Loan Package fact sheet here: 

Fees

Value packed in for one annual fee

 

  • $395 Accelerator Package annual fee
  • Application fee and legal fee waived (Other valuation, legal and variation fees may apply. Additional fee applies for construction loan)
  • $0 monthly fee
  • $0 online redraw fee (Staff Assisted redraws $30)

Additional fees such as; late-payment fee, discharge fee, variation fees may also apply. Please refer to current schedule of fees and charges.

Who can apply?

In addition to the special offer conditions, you can apply for a loan 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 Owner-occupier special: Max LVR 95%

Accelerator Package Owner-occupier special: Max LVR 95%

2 year variable rate, principal and interest repayments
2 year owner occupier variable rate with Accelerator Package
2.29% p.a.1
Comparison rate
3.90% p.a.*
About the offer

Spruce up your home loan rate and trim your repayments 

 

  • Get a low variable interest rate for the first 2 years 
  • After the 2 year period, enjoy a life of loan discount of 0.90% p.a. off the owner occupier standard variable home loan rate 

 

Are you eligible?

This offer is for applications submitted between 22 January 2021 and 30 September 2021 with loans funded by 31 December 2021 eligible. The offer can be withdrawn at any time. Available on the Accelerator Package home loan for owner occupiers with principal and interest repayments and a maximum LVR of 95%. Applies to new lending with a minimum balance of $100,000 or for internal loan increases of at least $50,000. 

Features and benefits

Enjoy savings across your home loan and everyday banking

 

  • A life of loan discount off the standard variable home loan rate for owner occupiers
  • A 100% offset account (up to 2) with optional debit card and no transaction fees
  • Access to redraw
  • Flexible repayment options: pay weekly, fortnightly or monthly
  • $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 

     

View our Accelerator Home Loan Package fact sheet here: 

Fees

Value packed in for one annual fee

 

  • $395 Accelerator Package annual fee
  • Application fee and legal fee waived (Other valuation, legal and variation fees may apply. Additional fee applies for construction loan)
  • $0 monthly fee
  • $0 online redraw fee (Staff Assisted redraws $30)

Additional fees such as; late-payment fee, discharge fee, variation fees may also apply. Please refer to current schedule of fees and charges.

Who can apply?
In addition to the special offer conditions, you can apply for a loan 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 Owner-occupier special: Max LVR 95%

Accelerator Package Owner-occupier special: Max LVR 95%

2 year variable rate, principal and interest repayments
2 year owner occupier variable rate with Accelerator Package
2.29% p.a.1
Comparison rate
3.90% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Offer terms and conditions: Offer is for eligible applications submitted between 22/01/21 and 30/09/21 and funded by 31/12/21. Offer can be withdrawn at anytime. Offer is available on Accelerator Package home loans for new 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. Additional upfront fees apply for construction loans. Your interest rate and repayments may increase at the end of the 2 year term as a lower discount applies for the remaining term. Government charges or any exit costs may be incurred from your existing lender. Maximum LVR of 95%. Lender's Mortgage Insurance is required for LVR over 80%.