The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $1,000,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $1,000,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $100,000 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 $1,000,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $100,000 and $249,999 with an LVR below 95%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | $1,000,000 |
| | Owner Occupier | Principal & Interest | < 95% | $100,000 | $1,000,000 |
| | Owner Occupier | Principal & Interest | < 95% | $100,000 | $1,000,000 |
| | Investor | Principal & Interest | < 95% | $100,000 | $1,000,000 |
| | Investor | Interest Only | < 95% | $100,000 | $1,000,000 |
| | Owner Occupier | Interest Only | < 95% | $100,000 | $1,000,000 |
| | Investor | Interest Only | < 95% | $100,000 | $249,999 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000 $1,000,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $100,000 $1,000,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $100,000 $1,000,000
Investor (Principal & Interest)
LVR < 95%
Loan: $100,000 $1,000,000
Investor (Interest Only)
LVR < 95%
Loan: $100,000 $1,000,000
Owner Occupier (Interest Only)
LVR < 95%
Loan: $100,000 $1,000,000
Investor (Interest Only)
LVR < 95%
Loan: $100,000 $249,999
Community First Credit Union’s Accelerator Package Home Loan could be the perfect loan for anyone wanting a variety of added extras. With an introductory variable rate of 1.99% (3.25% comparison rate*) for the first 2 years if your LVR is 80% or under, plus the perks of an offset account facility and free extra repayments, this package is for borrowers looking for all the bells and whistles.
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. For owner occupiers making principal and interest repayments with LVRs of up to 95%, the lowest variable rate begins at 2.29% p.a. (3.89% p.a. comparison rate*) for 2 years, reverting to 3.74%. But if your LVR is 80% or less, your two-year variable intro rate drops down to 1.99% (3.25% comparison rate*), reverting to 2.99%. These offers are available to customers who apply by 31 March 2021 and have their loans funded by 30 June 2021.
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 (free 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.
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.
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.
2.99% p.a.
1.99% p.a.
24 Months
Variable
3.25% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
80.00%
Owner Occupier
Principal & Interest
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
2 Year Discounted Rate offered for new loan applications made by 31 March 2021 and funded by 30 June 2021. Legal fee payable at cost.
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.
2.99% p.a.
2.29% p.a.
24 Months
Variable
3.90% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
95.00%
Owner Occupier
Principal & Interest
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
2 Year Discounted Rate offered for new loan applications made by 31 March 2021 and funded by 30 June 2021. Legal fee payable at cost.
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.
3.74% p.a.
n/a
n/a
n/a
4.15% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
95.00%
Owner Occupier
Principal & Interest
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
Legal fee payable at cost.
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.
4.04% p.a.
n/a
n/a
n/a
4.45% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
95.00%
Investor
Principal & Interest
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
Legal fee payable at cost.
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.
4.39% p.a.
n/a
n/a
n/a
4.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
95.00%
Investor
Interest Only
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
Legal fee payable at cost.
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.
4.09% p.a.
n/a
n/a
n/a
4.49% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$1,000,000
none
95.00%
Owner Occupier
Interest Only
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
Legal fee payable at cost.
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.
4.39% p.a.
n/a
n/a
n/a
4.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$300.00
$100,000
$249,999
none
95.00%
Investor
Interest Only
Monthly, Fortnightly, Weekly
yes - free
no
yes - free
$0.00
yes
yes
Legal fee payable at cost.
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.
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.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.18% p.a.
fixed 3 years
3.62% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a. variable
3.34% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.18% p.a.
fixed 3 years
3.62% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
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.
