Home Loan
Year fixed rate for LVR 80% or less from
2.79% p.a.1
Comparison rate  from
3.79% p.a.*

Our 3 Year Fixed home loan special is available for new lending of at least $50,000 with loan amounts up to 80% of the property value. It gives you peace of mind that your repayments won't change for a term. 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

  • Enjoy repayment certainty for up to 3 years
  • Available for loan amounts of no more than 80% or the property value
  • 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 without penalty even during the fixed term and have access to redraw (redraw fees will apply)
  • 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
  • Enjoy a 0.70% p.a. discount off the standard variable rate at the end of the fixed term, or fix for another term
  • 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

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 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Owner-occupied Principal and Interest
Year fixed rate for LVR 80% or less from
2.79% p.a.1
Comparison rate  from
3.79% p.a.*
Picture of 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Investment Principal and Interest
3 Year fixed rate for LVR 80% or less
2.99% p.a.1
Comparison rate
4.06% p.a.*
Picture of 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Investment Interest Only
3 Year fixed rate for LVR 80% or less
2.99% p.a.1
Comparison rate
4.07% 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
  • Enjoy repayment certainty for up to 3 years
  • Available for loan amounts of no more than 80% or the property value
  • 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 without penalty even during the fixed term and have access to redraw (redraw fees will apply)
  • 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
  • Enjoy a 0.70% p.a. discount off the standard variable rate at the end of the fixed term, or fix for another term
  • 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

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 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Owner-occupied Principal and Interest
Year fixed rate for LVR 80% or less from
2.79% p.a.1
Comparison rate  from
3.79% p.a.*
Picture of 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Investment Principal and Interest
3 Year fixed rate for LVR 80% or less
2.99% p.a.1
Comparison rate
4.06% p.a.*
Picture of 3 year fixed rate home loan offer

3 year fixed rate home loan offer

3 Year fixed new loan offer - Investment Interest Only
3 Year fixed rate for LVR 80% or less
2.99% p.a.1
Comparison rate
4.07% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Offer Terms and Conditions: Interest rate is current as at 01/02/20 and is subject to change. Offers are available on the 3 year fixed home loan for owner occupied principal and interest applications and investment applications made by 30/04/20, funded by 31/07/20 and can be withdrawn at any time. Available for new lending of at least $50,000. Break costs may apply for fixed home loans, please refer to your terms and conditions for more information. At the end of the fixed period the interest rate will revert back to the standard variable rate with a loyalty discount of 0.70%p.a and repayment amounts will change, unless a new fixed term is selected. Maximum LVR of 80%. 

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