Community First Credit Union Basic Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 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 $50,000 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 $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR 80%-95%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR 80%-95%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR 80%-95%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,000,000

4.10% p.a.

4.17% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.10% p.a.

4.17% p.a.

$0.00

4.51% p.a.

4.58% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.51% p.a.

4.58% p.a.

$0.00

4.45% p.a.

4.52% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.45% p.a.

4.52% p.a.

$0.00

4.86% p.a.

4.93% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.86% p.a.

4.93% p.a.

$0.00

3.89% p.a.

3.95% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

3.89% p.a.

3.95% p.a.

$0.00

4.91% p.a.

4.98% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.91% p.a.

4.98% p.a.

$0.00

4.50% p.a.

4.57% p.a.

$0.00

Community First Credit Union Basic Variable Home Loan

4.50% p.a.

4.57% p.a.

$0.00

Details

Rates and fees information correct as at 21 October 2018.

Rates
  • 4.10% p.a.

  • n/a

  • 0 Months

  • none

  • 4.17% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • Application, legal and valuation fees waived for refinances for new business only.

*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 October 2018.

Rates
  • 4.51% p.a.

  • n/a

  • 0 Months

  • none

  • 4.58% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • Application, legal and valuation fees waived for refinances for new business only.

*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 October 2018.

Rates
  • 4.45% p.a.

  • n/a

  • 0 Months

  • none

  • 4.52% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • Application, legal and valuation fees waived for refinances for new business only.

*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 October 2018.

Rates
  • 4.86% p.a.

  • n/a

  • 0 Months

  • none

  • 4.93% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • none

  • Application, legal and valuation fees waived for refinances for new business only.

*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 October 2018.

Rates
  • 3.89% p.a.

  • n/a

  • 0 Months

  • none

  • 3.95% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • 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 21 October 2018.

Rates
  • 4.91% p.a.

  • n/a

  • 0 Months

  • none

  • 4.98% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • 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 21 October 2018.

Rates
  • 4.50% p.a.

  • n/a

  • 0 Months

  • none

  • 4.57% 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

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Monthly, Fortnightly, Weekly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • no

  • 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

Latest reviews of Community First Credit Union Basic Variable Home Loan

  • Overall
    10/10
    Great home loan fees

    Managed to pay out early. A great product.

    Managed to pay out early. A great product.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Dawn | New South Wales

    reviewed about 4 years ago

  • Overall
    8/10
    Rates competitive, very flexible

    I like the flexibility they offer. It's easy to move money between my offset and everyday...

    I like the flexibility they offer. It's easy to move money between my offset and everyday accounts in order to pay down my loan as quickly as possible. I know they are not in business to make as much money from me as possible - they are happy to help get the loan paid out as quickly as I can. Internet banking is simple and whilst you can deposit at the NAB the biggest down side is not enough branches to go in and talk to some one face to face.

    Price
    -1/10
    Features
    7/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    8/10

    Joanna | New South Wales

    reviewed over 6 years ago

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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3.69% p.a.

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3.73% p.a.

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3.69% p.a.

3.73% p.a.

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3.59% p.a.

$0

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3.59% p.a.

3.61% p.a.

$150

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3.67% p.a.

3.69% p.a.

$150

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3.64% p.a.

3.78% p.a.

$150

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3.79% p.a.

3.80% p.a.

$0

Promoted

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3.65% p.a.

3.66% p.a.

$0

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Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Promoted

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Ultimate Fixed Home Loan (Package)

n/a

n/a

$0

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UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.90% p.a.

$0

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Promoted

bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

Promoted

UBank

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UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

Promoted

State Custodians

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Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0.00

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$0.00

Promoted

HSBC

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Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

Promoted

Suncorp

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Back to Basics

3.79% p.a.

3.80% p.a.

$0.00

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% 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.