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Community First Credit Union Accelerator Home Loan (Package)

Advertiser disclosure

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

  • 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

Rate
1.99% p.a.variable for 24 months and then 2.99% p.a.
Comparison Rate
3.25% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
2.29% p.a.variable for 24 months and then 2.99% p.a.
Comparison Rate
3.90% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.74% p.a.
Comparison Rate
4.15% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.04% p.a.
Comparison Rate
4.45% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.39% p.a.
Comparison Rate
4.78% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.09% p.a.
Comparison Rate
4.49% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.39% p.a.
Comparison Rate
4.78% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review Community First Credit Union Accelerator Home Loan (Package)

Last updated: 22 February 2021.

binocular icon
What's hot
  • Free extra repayments and offset account facility
  • Split rate option
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 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.

key icon
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. 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.





snapshot
Who is it 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. 

question icon
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 27 February 2021. 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
  • 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

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 80.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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
  • 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

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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
  • 3.74% 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

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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
  • 4.04% 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

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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

  • 4.78% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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

  • 4.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $1,000,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 27 February 2021. 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

  • 4.78% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • $249,999

  • none

  • 95.00%

Features
  • 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.

Customer Reviews

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

Price
7.4/10
Features
7.4/10
Customer service
8.4/10
Convenience
7.6/10
Trust
8.6/10
Thumbnail icon for 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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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.18% p.a.
fixed 3 years

3.62% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

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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.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a. variable

3.34% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

Thumbnail icon for loans.com.au

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.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a.

3.34% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.18% p.a.
fixed 3 years

3.62% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

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HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

3.00% 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.