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Basic Variable Home Loan (Special)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • Extra low interest rate for new customers
  • No ongoing fees
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $1mCalculate how much you can borrow »
Total repayments
Total repayments
$553,392View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
5 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $15
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$990
Application fee
Application fee$600
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$390
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $1mCalculate how much you can borrow »
Total repayments
Total repayments
$553,392View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
5 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $15
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$990
Application fee
Application fee$600
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$390
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300
Other Benefits
Legal Fees are charged at cost. Comparison rate calculation is based on legal fess of $390, but actual fees vary.
Other Restrictions
Available from 1 September until 30 November 2017 for new money/loans only

Community First Credit Union was formed in 1959 and ranks among New South Wales’ top credit unions. Responsible for over 75,000 of Australia’s credit union customers, Community First manages over $700 million in assets.

Community First offers a range of financial products including personal loans, saving accounts, home loans and insurance products. Community First is owned and run by a community of shareholders which enables it to offer lower interest rates and fees than some of its corporate competitors.

Over the years Community First has won several awards from the finance industry’s leading authorities including Money Magazine’s Best of the Best, Your Mortgage Magazine and Financial Review Smart Investor Blue Ribbon Awards.

Community First Home Loan Calculator  
Interested in a Community First home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Community First compares to its competitors. Simply plug in your borrowing amount below.

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