Community First Credit Union
Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)
Community First Credit Union · residential mortgages
Provider last updated this product 2026-07-21.
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You'll complete your application on
Community First Credit Union's website. Confirm the rate and fees with them
before applying.
A basic variable home loan for owner occupiers with a maximum LVR of 80%, that includes redraw, a competitive rate and other flexible features to help you pay your loan off sooner.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.95% | 5.99% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| HOME_LOAN_APPLICATION_FEE | UPFRONT | $600 | First application includes the cost of the first standard valuation and legal fees of one security only (and includes 2 splits) |
| LOAN_VARIATION_FEE | EVENT | $250 | Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type) |
| CONSTRUCTION_LOAN_APPLICATION_FEE | UPFRONT | $1,500 | Includes application fee, inspection fees and draw-down fees throughout construction period. Legal fees are paid in addition to this and are at cost. |
| LATE_PAYMENT | LATE_PAYMENT | $25 | Charged to loan account |
| REDRAW_FEE_-_STAFF_ASSISTED | EVENT | $30 | Charged to loan account |
| SAFE_CUSTODY_FEE | PERIODIC | $50 | E.g. certificate of titles, wills, etc |
| RE-ISSUE_LOAN_DOCUMENTATION_FEE | EVENT | $300 | For mortgage products |
| SPECIAL_ATTENDANCE_FEE | EVENT | $0 | Charged at cost |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) | EVENT | $1.50 | Charged per page. For statements issued prior to January 1997 the fee is $3 per page. |
| SOLICITORS_PREPARATION_FEE | EVENT | $0 | Charged at cost |
| ADDITIONAL_VALUATION_FEE | EVENT | $0 | Charged at cost |
| SEARCH_FEES | EVENT | $0 | Charged at cost |
| SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE | EVENT | $696 | Charged at discharge |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-17 | 2026-07-20 | 5.94% | 5.99% |
| 2026-08-08 | 2026-09-30 (current) | 5.95% | 5.99% |
Published figures as captured daily since 2026-07-17. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Split Loan available
Who can apply
- min age - 1818 years
- natural person
- residency status - Australian citizen or premanent residency only
Limits
- min limit - 50000.00Minimum loan amount applies at time of application
- max lvr - 0.80Maximum 80% LVR
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-21T15:16:13.000+10:00 · Product ID: GB-OOPI-LVR80