Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan. It lets you lock in your home loan rate for 1, 2 or 3 years. Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.
Features and benefits
- Deposit your money into a 100% offset facility you can access online which allows you to reduce the interest on your home loan
- Save money with $0 monthly and $0 annual fees
- Make extra repayments without penalty and redraw your money as you need it
- Benefit from flexible repayment options – pay weekly, fortnightly or monthly
- Reverts to the standard variable product at the end of the fixed term, otherwise you can specify to choose another fixed term arrangement
- Owner-occupiers 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
- If you borrow 80% or less of the property value lenders mortgage insurance may not be required
- Different interest rates apply based on loan purpose and repayment types.
Fees
- New application fee $600
- Valuation, legal and variation fees may apply
- $0 monthly and $0 annual fees
-
Redraw fee:
- Internet (BPAY®, internal and external transfers) $15
- Staff Assisted $30
Additional fees may also apply. Please refer to current schedule of fees and charges.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
Loan repayment calculator
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
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
Fixed rate home loan
- Deposit your money into a 100% offset facility you can access online which allows you to reduce the interest on your home loan
- Save money with $0 monthly and $0 annual fees
- Make extra repayments without penalty and redraw your money as you need it
- Benefit from flexible repayment options – pay weekly, fortnightly or monthly
- Reverts to the standard variable product at the end of the fixed term, otherwise you can specify to choose another fixed term arrangement
- Owner-occupiers 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
- If you borrow 80% or less of the property value lenders mortgage insurance may not be required
- Different interest rates apply based on loan purpose and repayment types.
- New application fee $600
- Valuation, legal and variation fees may apply
- $0 monthly and $0 annual fees
-
Redraw fee:
- Internet (BPAY®, internal and external transfers) $15
- Staff Assisted $30
Additional fees may also apply. Please refer to current schedule of fees and charges.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
- 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.