Community First Credit Union Accelerator Home Loan (Package)

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

3.79% p.a.

4.19% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

3.79% p.a.

4.19% p.a.

$395.00 yearly

3.69% p.a.

4.10% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

3.69% p.a.

4.10% p.a.

$395.00 yearly

4.72% p.a.

5.17% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.72% p.a.

5.17% p.a.

$395.00 yearly

4.62% p.a.

5.07% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.62% p.a.

5.07% p.a.

$395.00 yearly

4.09% p.a.

4.55% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

4.09% p.a.

4.55% p.a.

$395.00 yearly

3.99% p.a.

4.45% p.a.

$395.00 yearly

Community First Credit Union Accelerator Home Loan (Package)

3.99% p.a.

4.45% p.a.

$395.00 yearly

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

Last updated: 21 March 2019.

What's hot:
  • 3.69% variable rate (4.10% comparison rate*)

  • 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 3.79% (4.19% comparison rate*) plus the perks of an offset account facility and free extra repayments, this package may be ideal for any home loan seeker. 

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 advantages for owner occupiers and investors, with both principal and interest and interest only options. The lowest variable rate for owner occupiers begins at 3.69% (4.10% comparison rate*)  for loans above $250,000, and for investors starts from 3.99% (4.45% comparison rate*). There are further options and rates for loans less than $250,000, starting at 3.79% (4.19% 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 is suitable for a home loan seeker who wants a range of options and added extras in order to personalise their loan and optimise the options that are available - like low variable rates, an offset account facility and free extra repayments.

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 21 March 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
  • 3.79% p.a.

  • n/a

  • 0 Months

  • none

  • 4.19% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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 21 March 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
  • 3.69% p.a.

  • n/a

  • 0 Months

  • none

  • 4.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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 21 March 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
  • 4.72% p.a.

  • n/a

  • 0 Months

  • none

  • 5.17% 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

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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 21 March 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
  • 4.62% p.a.

  • n/a

  • 0 Months

  • none

  • 5.07% 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

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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 21 March 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

  • 0 Months

  • none

  • 4.55% 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

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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 21 March 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

  • 0 Months

  • none

  • 4.45% 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

  • none

  • $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

  • $500 cashback for Accelerator Package loans taken out before 31 March 2019 and take lenders mortgage insurance.

*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.

See Community First Credit Union home loans

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3.49% p.a. variable

3.51% p.a.

$488

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Virgin Money

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Reward Me Variable Rate Home Loan

3.69% p.a. variable

3.83% p.a.

$150

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Bank Australia

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Basic Home Loan

3.76% p.a. variable

3.77% p.a.

$0

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Well Balanced

3.49% p.a. variable

3.53% p.a.

$850

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3.72% p.a. variable

3.77% p.a.

$600

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Smart Home Loan

3.48% p.a. variable

3.50% p.a.

$520

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Smart Home Loan

3.48% p.a.

3.50% p.a.

$520

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HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

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Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$488

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ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$400

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Bank First

Bank First

First Rate Home Loan

3.72% p.a.

3.77% p.a.

$600

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$850

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NAB

NAB

Base Variable Rate Home Loan

3.79% p.a.

3.83% p.a.

$600

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Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a.

3.83% p.a.

$150

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loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.89% p.a.
fixed 3 years

3.93% p.a.

$520

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Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan - First Home Buyer Special

n/a

n/a

$0

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ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.87% p.a.

$400

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UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.89% p.a.
fixed 3 years

4.92% p.a.

$0

Promoted

Bankwest

Bankwest

Complete Fixed Home Loan (Package)

3.98% p.a.
fixed 3 years

4.52% p.a.

$250

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.64% p.a.

$850

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

3.79% p.a.
fixed 3 years

4.51% p.a.

$450

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HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.59% p.a.

3.59% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$0.00

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a.

3.83% p.a.

$10.00 monthly

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a.

3.77% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a.

3.77% p.a.

$0.00

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loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% 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.