Community First Credit Union Accelerator Home Loan (Package)

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $249,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $1,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $249,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest, interest only loan between $100,000 and $249,999 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest, interest only loan between $250,000 and $1,000,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $100,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $250,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $100,000 $249,999

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $250,000 $1,000,000

  • Investor (Principal & Interest, Interest Only)

    LVR < 95%

    Loan: $100,000 $249,999

  • Investor (Principal & Interest, Interest Only)

    LVR < 95%

    Loan: $250,000 $1,000,000

4.09% p.a.

4.53% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.09% p.a.

4.53% p.a.

$395.00 yearly

3.99% p.a.

4.44% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

3.99% p.a.

4.44% p.a.

$395.00 yearly

4.44% p.a.

4.90% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.44% p.a.

4.90% p.a.

$395.00 yearly

4.34% p.a.

4.80% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.34% p.a.

4.80% p.a.

$395.00 yearly

4.39% p.a.

4.85% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.39% p.a.

4.85% p.a.

$395.00 yearly

4.29% p.a.

4.74% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.29% p.a.

4.74% p.a.

$395.00 yearly

Mozo Review   Community First Credit Union Accelerator Home Loan (Package) Review

Last updated: 10 July 2019.

What's hot:
  • Triple 2019 Mozo Experts Choice Award winner

  • Free extra repayments

  • Offset account facility

What's not:
  • $395 annual service fee

Mozo snapshot:

Community First Credit Union’s Accelerator Package Home Loan could be the perfect loan for anyone wanting a variety of added extras. With a variable rate of 3.99% (4.44% comparison rate*) plus the perks of an offset account facility and free extra repayments, this package is for borrowers looking for all the bells and whistles. 

So if you are looking for an excellent home loan there’s no time like the present to get applying, especially with the knowledge that the Accelerator Package Home Loan won three 2019 Mozo Experts Choice Awards in the First Home Buyer Loan, Offset Home Loan and Packaged Home Loan categories.  

Key features:

The Accelerator Package Home Loan offered by Community First Credit Union has various options for owner occupiers and investors, with both principal and interest and interest only options. The lowest variable rate for owner occupiers begins at 3.99% (4.44% comparison rate*) for loans above $250,000, and for investors starts from 4.29% (4.74% comparison rate*).

This home loan also allows you to deposit money into a 100% offset account facility, which gives you the ability to reduce the interest on your home loan. Community First Credit Union gives you flexible options in terms of your repayments by offering free extra repayments and a redraw facility with minimal fees ($15 for internet transfers and $30 for staff assisted). Similarly, you can design your personal repayment schedule by opting to pay back your loan on a monthly, fortnightly or weekly basis.

Whilst there are some fantastic extras offered in this home loan package, there are a few added costs to be mindful of. You are required to pay an annual service fee of $395 and a $300 discharge fee but you won’t need to pay any application, legal, valuation or any other upfront fees.

Who it's good for:

The Community First Credit Union Accelerator Home Loan Package might be the pick for you if you're after a full featured home loan package. And you'll score the best interest rates if you're looking to borrow $250,000 or more.

Any catches?

The loan does come with an annual fee of $395 and a discharge fee of $300. And while it gives you the option of a redraw facility, small fees will apply every time you use it.  

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.09% p.a.

  • n/a

  • n/a

  • n/a

  • 4.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $249,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.99% p.a.

  • n/a

  • n/a

  • n/a

  • 4.44% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $250,000

  • $1,000,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.44% p.a.

  • n/a

  • n/a

  • n/a

  • 4.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $390.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $249,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.34% p.a.

  • n/a

  • n/a

  • n/a

  • 4.80% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $390.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $250,000

  • $1,000,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.39% p.a.

  • n/a

  • n/a

  • n/a

  • 4.85% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $390.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $249,999

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.29% p.a.

  • n/a

  • n/a

  • n/a

  • 4.74% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $390.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $250,000

  • $1,000,000

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Community First Credit Union home loans rated by the Mozo community?

Overall customer rating
8.3/10
Price
7.7/10
Features
7.7/10
Customer service
8.5/10
Convenience
8.0/10
Trust
8.6/10
Community First Credit Union

About Community First Credit Union

Community First Credit Union is the largest community based Credit Union operating throughout the Sydney and Central Coast region, and the 23rd largest in Australia based on total assets. With over 70,000 members, Community First aims to continue to be an integral part of the communities in which its members live and work, and offers a wide range of financial services, including award winning savings and loans and credit cards. Membership is open to the community at large.

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3.05% p.a.

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2.99% p.a.

3.02% p.a.

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3.39% p.a.variable for 24 months and then 3.86% p.a.

3.91% p.a.

$150

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3.27% p.a.

3.28% p.a.

$150

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3.29% p.a.

3.30% p.a.

$0

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2.99% p.a.
fixed 3 years

4.09% p.a.

$450

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UHomeLoan (Fixed)

2.99% p.a.
fixed 3 years

3.45% p.a.

$395

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Fixed Home Loan

2.99% p.a.
fixed 3 years

3.51% p.a.

$799

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Fixed Home Loan

3.19% p.a.
fixed 3 years

3.43% p.a.

$520

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Newcastle Permanent

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Fixed Rate Home Loan (Premium Plus Package)

3.24% p.a.
fixed 3 years

4.15% p.a.

$0

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UHomeLoan (1 Year Fixed)

n/a

n/a

$395

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3.19% p.a.
fixed 3 years

4.14% p.a.

$450

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Smart Loan Fixed (Package)

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

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3.03% p.a.

3.05% p.a.

$0.00

Promoted

UBank

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UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0.00

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Athena

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3.09% p.a.

3.05% p.a.

$0.00

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ANZ

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Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0.00

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ME

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Flexible Home Loan (Member Package)

3.39% p.a.

3.83% p.a.

$395.00 yearly

Promoted

Suncorp

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Back to Basics

3.29% p.a.

3.30% p.a.

$0.00

Promoted

HSBC

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3.27% p.a.

3.28% p.a.

$0.00

Promoted

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Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$0.00

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.