Home Loan
3 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
3.99% p.a.*

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.

 

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Features and benefits

  • Deposit your money into a 100% offset facility which allows you to reduce the interest on your home loan
  • Save money with $0 monthly and $0 annual fees
  • Make extra repayments up to $25,000 a year 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

 Additional fees may also apply. Please refer to current schedule of fees and charges.

  • New application fee $600
  • Valuation, legal and top up fees may apply
  • $0 monthly and $0 annual fees
  • Redraw fee:
    • Internet (BPAY®, internal and external transfers) $15
    • Staff Assisted $30


® Registered to BPAY Pty Ltd ABN 69 079 137 518

Borrowing power calculator

Loan repayment calculator

Stamp duty calculator

Eligibility

You can apply if you:
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen, a permanent resident or have an approved working Visa
  • 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
 
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 Fixed rate home loan

Fixed rate home loan

3 Year fixed new money offer - Owner-occupied Principal & Interest
3 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
3.99% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed new money offer - Investment Principal & Interest
3 Year fixed interest rate from
3.55% p.a.1
Comparison rate  from
4.31% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed new money offer - Owner-occupied Principal & Interest
2 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
4.07% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed new money offer - Investment Principal & Interest
2 Year fixed interest rate from
3.55% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed new money offer - Owner-occupied Principal & Interest
1 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
4.16% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed new money offer - Investment Principal & Interest
1 Year fixed interest rate
3.55% p.a.1
Comparison rate
4.47% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Owner-occupied Principal & Interest
1 Year fixed interest rate from
3.59% p.a.1
Comparison rate  from
4.20% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Owner-occupied Interest Only
Interest rate from
3.94% p.a.1
Comparison rate  from
4.24% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Owner-occupied Principal & Interest
2 Year fixed interest rate from
3.35% p.a.1
Comparison rate  from
4.11% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Owner-occupied Interest Only
Interest rate from
3.70% p.a.1
Comparison rate  from
4.17% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Owner-occupied Principal & Interest
3 Year fixed interest rate from
3.45% p.a.1
Comparison rate  from
4.07% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Owner-occupied Interest Only
Interest rate from
3.80% p.a.1
Comparison rate  from
4.16% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Investment Principal & Interest
1 Year fixed interest rate from
3.99% p.a.1
Comparison rate  from
4.51% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Investment Interest Only
Interest rate
4.34% p.a.1
Comparison rate
4.55% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Investment Principal & Interest
2 Year fixed interest rate from
3.75% p.a.1
Comparison rate  from
4.43% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Investment Interest Only
Interest rate
4.10% p.a.1
Comparison rate
4.49% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Investment Principal & Interest
3 Year fixed interest rate from
3.85% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Investment Interest Only
Interest rate
4.20% p.a.1
Comparison rate
4.48% 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
  • Deposit your money into a 100% offset facility which allows you to reduce the interest on your home loan
  • Save money with $0 monthly and $0 annual fees
  • Make extra repayments up to $25,000 a year 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

 Additional fees may also apply. Please refer to current schedule of fees and charges.

  • New application fee $600
  • Valuation, legal and top up fees may apply
  • $0 monthly and $0 annual fees
  • Redraw fee:
    • Internet (BPAY®, internal and external transfers) $15
    • Staff Assisted $30


® Registered to BPAY Pty Ltd ABN 69 079 137 518

Borrowing power calculator

Loan repayment calculator
Stamp duty calculator
Eligibility
You can apply if you:
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen, a permanent resident or have an approved working Visa
  • 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
 
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 Fixed rate home loan

Fixed rate home loan

3 Year fixed new money offer - Owner-occupied Principal & Interest
3 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
3.99% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed new money offer - Investment Principal & Interest
3 Year fixed interest rate from
3.55% p.a.1
Comparison rate  from
4.31% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed new money offer - Owner-occupied Principal & Interest
2 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
4.07% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed new money offer - Investment Principal & Interest
2 Year fixed interest rate from
3.55% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed new money offer - Owner-occupied Principal & Interest
1 Year fixed interest rate from
3.15% p.a.1
Comparison rate  from
4.16% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed new money offer - Investment Principal & Interest
1 Year fixed interest rate
3.55% p.a.1
Comparison rate
4.47% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Owner-occupied Principal & Interest
1 Year fixed interest rate from
3.59% p.a.1
Comparison rate  from
4.20% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Owner-occupied Interest Only
Interest rate from
3.94% p.a.1
Comparison rate  from
4.24% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Owner-occupied Principal & Interest
2 Year fixed interest rate from
3.35% p.a.1
Comparison rate  from
4.11% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Owner-occupied Interest Only
Interest rate from
3.70% p.a.1
Comparison rate  from
4.17% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Owner-occupied Principal & Interest
3 Year fixed interest rate from
3.45% p.a.1
Comparison rate  from
4.07% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Owner-occupied Interest Only
Interest rate from
3.80% p.a.1
Comparison rate  from
4.16% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Investment Principal & Interest
1 Year fixed interest rate from
3.99% p.a.1
Comparison rate  from
4.51% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

1 Year fixed - Investment Interest Only
Interest rate
4.34% p.a.1
Comparison rate
4.55% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Investment Principal & Interest
2 Year fixed interest rate from
3.75% p.a.1
Comparison rate  from
4.43% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

2 Year fixed - Investment Interest Only
Interest rate
4.10% p.a.1
Comparison rate
4.49% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Investment Principal & Interest
3 Year fixed interest rate from
3.85% p.a.1
Comparison rate  from
4.39% p.a.*
Picture of Fixed rate home loan

Fixed rate home loan

3 Year fixed - Investment Interest Only
Interest rate
4.20% p.a.1
Comparison rate
4.48% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Interest rate is current as at 12/08/19 and is subject to change. Offer terms and conditions: Offer rates are current as at 12/08/19 and is subject to change. Offers are available on 1, 2 or 3 year fixed home loans for new money principal and interest loans or for internal loan increases of at least $50,000. Break costs may apply for fixed home loans refer to your terms and conditions for more information. Offer is for home loan applications made by 31/10/19, funded by 31/01/20 and can be withdrawn at any time. At the end of the fixed period the interest rate will revert back to the standard variable rate at the time with a loyalty discount of 0.70% p.a. and repayment amounts will change, unless a new fixed term is selected. Maximum LVR of 95% (lenders mortgage insurance applies for LVR over 80%).  

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