Community First Credit Union home loan repayment calculator

Thinking about taking out a home loan with Community First Credit Union? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Community First Credit Union home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated mortgage repayments

at interest rate 5.00%

Total interest payable

$0

Total loan repayments

$0

Pros and cons

  • Suitable for low deposits.
  • Opportunity to bundle financial products together.
  • Offers discounts on the interest rate.
  • Split loan options are included.
  • Some products include fees.
  • Early exit fees apply to some products.

Community First Credit Union home loans rates

Advertised Rate

2.49%

Fixed - 3 years

Total estimated upfront fees
$600
Comparison Rate*

3.56%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 3 years

Total estimated upfront fees
$600
Comparison Rate*

3.64%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.49%

Fixed - 2 years

Total estimated upfront fees
$600
Comparison Rate*

3.67%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 2 years

Total estimated upfront fees
$600
Comparison Rate*

3.72%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.65%

Variable

Total estimated upfront fees
$600
Comparison Rate*

3.72%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.49%

Fixed - 1 year

Total estimated upfront fees
$600
Comparison Rate*

3.79%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.34%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

3.80%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 1 year

Total estimated upfront fees
$600
Comparison Rate*

3.81%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

3.85%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.15%

Intro 12 months

Total estimated upfront fees
$600
Comparison Rate*

3.85%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.00%

Variable

Total estimated upfront fees
$600
Comparison Rate*

3.85%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 3 years

Total estimated upfront fees
$600
Comparison Rate*

3.86%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.45%

Intro 12 months

Total estimated upfront fees
$600
Comparison Rate*

3.87%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.89%

Fixed - 3 years

Total estimated upfront fees
$600
Comparison Rate*

3.89%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.29%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.90%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$0
Comparison Rate*

3.90%

Ongoing fee
$395 annually
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.34%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.91%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.94%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.09%

Fixed - 3 years

Total estimated upfront fees
$600
Comparison Rate*

3.94%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 2 years

Total estimated upfront fees
$600
Comparison Rate*

3.97%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.09%

Fixed - 2 years

Total estimated upfront fees
$600
Comparison Rate*

4.02%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.34%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

4.03%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

4.04%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.79%

Fixed - 1 year

Total estimated upfront fees
$600
Comparison Rate*

4.08%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

4.09%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.09%

Fixed - 1 year

Total estimated upfront fees
$600
Comparison Rate*

4.11%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.06%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.13%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.94%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

4.14%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.74%

Variable

Total estimated upfront fees
$0
Comparison Rate*

4.15%

Ongoing fee
$395 annually
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.45%

Intro 12 months

Total estimated upfront fees
$600
Comparison Rate*

4.15%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

3.75%

Intro 12 months

Total estimated upfront fees
$600
Comparison Rate*

4.17%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

4.20%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.94%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

4.24%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.09%

Variable

Total estimated upfront fees
$0
Comparison Rate*

4.25%

Ongoing fee
$395 annually
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.41%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.26%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.64%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

4.32%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

2.94%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

4.34%

Ongoing fee
$395 one off
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.36%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.43%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.04%

Variable

Total estimated upfront fees
$0
Comparison Rate*

4.45%

Ongoing fee
$395 annually
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.39%

Variable

Total estimated upfront fees
$0
Comparison Rate*

4.54%

Ongoing fee
$395 annually
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.71%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.56%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.64%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.71%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.99%

Variable

Total estimated upfront fees
$600
Comparison Rate*

4.85%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

4.94%

Variable

Total estimated upfront fees
$600
Comparison Rate*

5.01%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details
Advertised Rate

5.29%

Variable

Total estimated upfront fees
$600
Comparison Rate*

5.15%

Ongoing fee
$0
Go to site
Company
Community First Credit Union
More details

Community First Credit Union customer service

Community First home loan customers can get in touch with the credit union in several ways. Those who would like to speak directly to a member of staff can call the customer services centre by phone or visit one of the many branches located along the New South Wales coast. Customers can also make an enquiry thorough the website or via email. Basic account functions can be carried out through the mobile banking app or internet banking services. 

  • Customer service centre (phone, email, branch)
  • Mobile app
  • Online banking

How to Apply

Should Community First customers require assistance with their home loan application they can call the customer service centre or enquire online. Alternatively, if customers are based along the New South Wales coast they can visit a branch for face-to-face advice. To ensure a loan is affordable customers should calculate how much they can afford to borrow comparing a range of terms and interest rates. Applicants will be required to provide standard documentation that may include: 

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental.
  • Information regarding your current debts, liabilities and assets.
  • Personal insurance documents.

About Community First Credit Union home loans

Community First Credit Union has mortgages that cater for the following customers:

  • First home buyers
  • Investors
  • Renovators/home builders (construction loans)
  • Self-employed (low-doc loans)

Community First Credit Union home loans come with the following interest rate options:

  • Variable rate
  • Fixed rate
  • Principal and interest
  • Interest-only
  • Split loans

Community First Credit Union home loans might also suit borrowers with low deposits. It lets owner-occupiers borrow up to 95 per cent of the property value (with mortgage insurance), and investors borrow up to 80 per cent of the property value. Repayments can be weekly, fortnightly or monthly.

Extra repayments can be made on Community First Credit Union without penalty, and redraw facilities are also available (but come with a small fee). As added incentive, the credit union offers home loan customers fee-free transaction accounts as well as discounts on its other financial products and services.

Community First Credit Union home loan rates

Community First Credit Union’s home loan interest rates vary depending on the product. However, compared to other home loan