Community Advantage 3 year fixed Owner Occupied (Principal and Interest)
A fixed rate for owner occupiers currently working in eligible professions, includes an LMI fee waiver for LVR up to 90%
- From (owner occupied)
- 6.89%
- 6.73% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years The comparison rate is based on a secured 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. | 6.89% | 6.73% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| HOME_LOAN_APPLICATION_FEE Capped at $0.00 · First application includes the cost of the first standard valuation and legal fees of one security only (and includes 2 splits) | Upfront | $600.00 |
| LOAN_VARIATION_FEE Capped at $0.00 · 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) | Event | $250.00 |
| CONSTRUCTION_LOAN_APPLICATION_FEE Capped at $0.00 · Includes application fee, inspection fees and draw-down fees throughout construction period. Legal fees are paid in addition to this and are at cost.
| Upfront | $1,500.00 |
| LATE_PAYMENT Capped at $0.00 · Charged to loan account | Late payment | $25.00 |
| REDRAW_FEE_-_STAFF_ASSISTED Capped at $0.00 · Charged to loan account | Event | $30.00 |
| SAFE_CUSTODY_FEE Charged yearly · Capped at $0.00 · E.g. certificate of titles, wills, etc |
Features
- Digital banking
- Redraw facility
- Redraw fees apply
- Extra repayments
- No penalty for extra repayments, an Early Repayment Fee may apply if the loan is paid out and closed during the fixed rate term
- Split Loan
Eligibility
- Minimum age — 18 years
- Individuals only
- Residency status — Australian citizen or permanent residency only
Constraints
- Minimum limit — $50,000.00Minimum loan amount only applies at time of application
- Maximum LVR — 90%Maximum 90% LVR
More Information
Published by CommFCU under the Consumer Data Right · Last updated 7 July 2026 · Product ID CA-OOPI-3YRF · View on CDR.gov.au