Community First Credit Union Home Loan Interest Rates, Calculator & Reviews - Best Find

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Community First Credit Union Home Loans

Honeymoon Home Loan - Owner-occupied

Our honeymoon home loan lets you enjoy a fixed introductory rate for the first year of your loan to help you get started with your new home. As you settle in, it gives you the certainty of knowing what your repayments will be. 

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Capped - 1 year

Advertised rate3.65%

Comparison rate5.13%

Repayments & Redraws

Monthly repayments (approx)$1,276

Total repayments (approx)$383,040

Total interest (approx)$633,040

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

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True Value Standard Variable

Our true value standard variable rate home loan gives you a competitive standard variable interest rate. It also comes with a range of flexible features to help with managing your loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$10,000

Maximum loan amount$1,000,000

Minimum loan term 5 yeaqrs

Maximum loan term 30 years

Interest rate type Variable

Advertised rate5.17%

Comparison rate5.24%

Repayments & Redraws

Monthly repayments (approx)$1,492

Total repayments (approx)$447,669

Total interest (approx)$697,669

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees Yes

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rate is current as at 07/04/17 and subject to change without notice. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

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True Basic Variable

Our true basic variable home loan is a simple home loan with our lowest variable rate with all the necessary features you’d expect. 

Home Loan Overview

Maximum LVR 80%

Maximum insured LVR N/A

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 5 years

Maximum loan term 30 years

Interest rate type Variable

Advertised rate4.1%

Comparison rate4.13%

Repayments & Redraws

Monthly repayments (approx)$1,338

Total repayments (approx)$401,616

Total interest (approx)$651,616

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility No

Extra repayments allowed? Yes

Extra repayment fees Yes

Extra repayments restrictions No

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentNo

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rate is current as at 07/04/17 and subject to change without notice. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

3 Year Fixed Home Loan - Owner-occupied - Interest only

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 3 years

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Advertised rate3.99%

Comparison rate4.99%

Repayments & Redraws

Monthly repayments (approx)$1,323

Total repayments (approx)$397,029

Total interest (approx)$647,029

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

3 Year Fixed Home Loan - Investment - Principal & Interest

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 3 years

Maximum loan term 30 years

Interest rate type Fixed - 3 years

Advertised rate3.99%

Comparison rate4.99%

Repayments & Redraws

Monthly repayments (approx)$1,323

Total repayments (approx)$397,029

Total interest (approx)$647,029

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

2 Year Fixed Home Loan - Owner-occupied - Interest only

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Advertised rate3.85%

Comparison rate5.05%

Repayments & Redraws

Monthly repayments (approx)$1,304

Total repayments (approx)$391,236

Total interest (approx)$641,236

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

2 Year Fixed Home Loan - Investment - Principal & Interest

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 2 years

Maximum loan term 30 years

Interest rate type Fixed - 2 years

Advertised rate3.85%

Comparison rate5.05%

Repayments & Redraws

Monthly repayments (approx)$1,304

Total repayments (approx)$391,236

Total interest (approx)$641,236

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

1 Year Fixed Home Loan - Owner-occupied - Interest only

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Advertised rate3.79%

Comparison rate5.14%

Repayments & Redraws

Monthly repayments (approx)$1,295

Total repayments (approx)$388,767

Total interest (approx)$638,767

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

1 Year Fixed Home Loan - Investment - Principal & Interest

Take comfort in the certainty of knowing what your repayments will be with a Community First Fixed Rate home loan.

Home Loan Overview

Maximum LVR 95%

Maximum insured LVR 95%

Minimum loan amount$50,000

Maximum loan amount$1,000,000

Minimum loan term 1 year

Maximum loan term 30 years

Interest rate type Fixed - 1 year

Advertised rate3.79%

Comparison rate5.14%

Repayments & Redraws

Monthly repayments (approx)$1,295

Total repayments (approx)$388,767

Total interest (approx)$638,767

Redraw facility Yes

Redraw fee $30 staff, $15 online

Minimum redraw amount No min

Offset facility Yes

Extra repayments allowed? Yes

Extra repayment fees N/A

Extra repayments restrictions Up to $25K per year

Repayments weekly Yes

Repayments biweekly Yes

Repayments monthly Yes

Home Loan Fees

Application fee $600

Legal fee At cost

Valuation fee At cost

Settlement fee $0

Discharge fee $300

Regular or monthly fee $0

Loan Availability

InvestmentYes

First home buyersYes

Owner occupierYes

RefinanceYes

Line of creditNo

Self-managed superNo

State availabilityNSW, VIC, SA, WA, QLD, ACT, NT, TAS

Other

SponsoredNo

Data accurate as of16/08/2017

Comparison warning Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 03/07/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.

Hide info ˄

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Compare 100s of home loans

Did you know you can compare 100s of mortgages? Review, calculate interest rate repayments, apply online and save by visiting our main home loans comparison page.

Compare and review Community First Credit Union home loans

Looking to finance a new home? When comparing Community First Credit Union home loans, there are other key facts to consider and understand, other than just Community First Credit Union’s interest rates.

What home loan options does Community First Credit Union offer?

Community First Credit Union has 3 home loan products:

  • Community First Credit Union Fixed Rate Investment Loan – Interest Only – 3 Years
  • Community First Credit Union Fixed Rate Investment Loan – Interest Only – 2 Years
  • Community First Credit Union Fixed Rate Investment Loan – Interest Only – 1 Year

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Community First Credit Union personal loansCommunity First Credit Union car loan and Community First Credit Union credit cards.

Do you have a Community First Credit Union home loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

For a more accurate quote, contact Community First Credit Union directly.

How to apply for a Community First Credit Union home loan?

If you’d like to apply online for a Community First Credit Union home loan, just scroll up and click on “Learn more” to be taken to Community First Credit Union’s secure online application form. Before you apply, be sure to learn about Community First Credit Union’s loan products, fees and eligibility criteria. Give yourself around 30-60 minutes to complete the home loan application.

Community First Credit Union’s home loan eligibility criteria

Before you apply for a home loan, be sure to understand and meet the Community First Credit Union’s lending criteria. Below is high-level overview of Community First Credit Union’s criteria:

Community First Credit Union’s minimum requirements for a home loan

  • Minimum age of 18
  • You have a decent credit history
  • You’re a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)
  • Regular source of income
  • A sufficient deposit

Financial Information you’ll need to provide

Whether at the Community First Credit Union branch or online, you will need to show your finances in order for the bank to establish your home loan borrowing capacity:

  • Proof of income, at least 3 months of payslips and/or rental income (if applicable)
  • Tax returns not older than 18 months and an ATO Notice of assessment Personal
  • Proof of ID (Driver License or ID card) passport, contact information and address
  • A list of your expenses, assets and liabilities (such as other loans or credit cards)
  • Any equity or deposit or existing property you already own to support and secure your loan

Have rental income?

If you also have rental income, please provide one of the following:

  • A formal signed lease (either current or new)
  • Most recent rental statement
  • Rental credits to your account for the past 3 months

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying

  • Approval time can take up to two weeks.
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are viewed as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off and close unnecessary credit cards

There are many additional factors Community First Credit Union consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save a little while longer!

Additional Community First Credit Union home loan information

Community First Credit Union’s minimum and maximum home loan amounts and terms

How much can you borrow? Between $50,000 and $1,000,000, over terms between 5 years and 30 years. Use our filter as a repayment calculator to see your estimated monthly repayments and rates.

Repayment schedule

Community First Credit Union allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Community First Credit Union allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early. View their terms and conditions to learn more about early termination.

Refinancing

If you want to refinance your home loan and you’re not with Community First Credit Union, you will need to provide:

  • Mortgage statements for the last 3 months
  • A current payout quote for any loans you plan to refinance, including all current fees and charges and any early repayment costs or exit fees

Details about your property purchase or construction

You’ll need to provide Community First Credit Union with some information about the property you’re buying or building. This may be required before Community First Credit Union can finalise your mortgage offer.

If you’re buying:

  • Signed Contract of Sale
  • Copy of Transfer of Land
  • Proof of Property Insurance

If you’re building:

  • Council approved building plans, specifications or Building Permit
  • Fixed Price Builders Contract

Insurance documents

Please bring any documents that can provide information about your current insurance policies, including:

  • Home and contents insurance
  • Investment property insurance
  • Income protection
  • Life insurance
  • Total and permanent disablement cover
  • Trauma cover