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True Fixed Home Loan

Fixed Rates: Popular Terms (p.a.)

		Comparison Rate
1 Year	6.19%	7.13%
2 Year	6.19%	7.04%
3 Year	5.99%	6.90%

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If you don’t like surprise’s when it comes to your home loan repayments, then why not protect yourself against possible rate rises by fixing your home loan rate with a Community First Fixed Rate Home Loan over 1, 2 or 3 years.

Features and benefits:

- No annual fees

- No account keeping fees

- 100% offset account attached

- Redraw available with no minimum redraw amount

- Ability to make additional repayments^

- Available for owner occupied or investment purposes

- Maximum LVR of 80% (or 95% with Lenders Mortgage Insurance)

- Option of weekly, fortnightly or monthly repayments

- Reverts to Standard Variable rate at the end of the fixed period with the ability to select a further fixed term

- Maximum loan term of 30 years

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Fixed

$50,000 $1,000,000

$500.00

95%

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Loan Details

Loan Type

Fixed

Security Type

ResidentialProperty

Availability

Owner Occupiers, Investors

Repayment Options

Principal & Interest, Interest Only

Repayment Frequency

Weekly, Fortnightly, Monthly

Interest Rate Notes

Rate lock fee available on application to lock in current fixed rate for 90 days

Min Loan Term

Max Loan Term

Min Loan Amount

$50,000.00

Max Loan Amount

$1,000,000.00

Max Loan to Value Ration (LVR)

80%

Max LVR with Mortgage Insurance

95%

Features

Extra Repayments

Loan is Transferable (Portable)

Transfer Fee

$250.00

Mortgage Offset Available

Mortgage Offset 100%

Mortgage Offset Rate

Redraw Available

Min Redraw Amount

Max Redraw Amount

Redraw Fee

$30.00

Redraw Notice Period

Redraw Method

Branch

Redraw Notes & Comments

Split Account

Split Available

Max No. of Accounts for Split

Separate Statements for Split

Statement Frequency

Fixed Option

Fee for Fixing

Fees

Application Fee

$500.00

Legal Fee

$398.00

Valuation Fee

$198.00

Settlement Fee

Service Fee

Exit Fee

$200.00

Early Termination Fee

Early Termination Fees (3 Year Cost)

Early Termination Fees (5 Year Cost)

Switching Fee

Switching Fee Notes:

Break Costs

Economic cost of breaking a Fixed Rate Loan

General Fee Notes:

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