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    • Community CPS Basic Variable Home Loan

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    • 6.14%variable

    • 6.31%

    • $11.00Monthly

    • $595

    Rates

    Variable rate
    6.14%
    Intro rate
    none
    Intro rate term
    none
    Intro rate type
    Variable
    Comparison Rate*
    6.31%
    Fixed 1 year rate
    none
    Fixed 2 year rate
    none
    Fixed 3 year rate
    none
    Fixed 4 year rate
    none
    Fixed 5 year rate
    none
    Fixed 7 year rate
    none
    Fixed 10 year rate
    none
    Fixed loan revert rate
    none

    Fees

    Application fee
    $445.00
    Legal fee
    $0.00
    Valuation fee
    $0.00
    Settlement fee
    $150.00
    Other upfront fee (% of loan)
    none
    Service fee
    $11.00Monthly
    Discharge fee
    $295.00
    Early Exit Fee after 1 year assuming $300,000 loan
    $0

    Features

    Repayment Frequency
    Weekly, Fortnightly, Monthly
    Extra repayments
    yes - free
    Repayment holidays
    yes
    Redraw facility
    yes - fee is $10.00
    Minimum redraw amount
    $500.00
    Split account
    no
    Offset account
    no
    Other restrictions
    none
    Other benefits
    none

    Other financial bits

    Minimum loan amount
    $10,000.00
    Maximum loan amount
    $2,000,000.00

    About Community CPS

    Community CPS is one of Australia’s largest credit unions. Across the ACT, South Australia, regional New South Wales and Western Australia, Community CPS has 36 Personal Financial Centres dedicated to sorting out the finances of its 180,000+ members. Community CPS offers competitive personal loans and savings accounts, home loans to suit first home buyers, refinancers and investors, plus access to the worldwide MasterCard credit card network and more. Other services include telephone and internet banking, Bank@Post, BPAY® and foreign exchange services. In November 2008, Community CPS merged with United Credit Union in WA and now carries on business in WA as United Community. And most recently, in January 2010, Community CPS merged with Companion Credit Union in NSW and now carries on business in NSW as Companion Credit Union.

    How are Community CPS home loans rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Community CPS home loans 8.4 Based on 20
    Community CPS home loan reviews     		7.8 7.2 9.1 8.2 8.7

    Read Community CPS home loan reviews by the Mozo community

    *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan, based on the loan amount and loan term you entered. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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