---
title: "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest) — CommFCU"
description: "Home Loans from CommFCU. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commfcu/products/GB-OOPI-LVR80
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-21T15:16:13.000+10:00
---

# Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest) — CommFCU

> Home Loans from CommFCU. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Community First Credit Union**

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.

## At a glance

- **From (owner occupied):** 5.95% (5.99% comparison)

## Apply

Applications are handled by the provider: [Apply at CommFCU](https://www.communityfirst.com.au/applying-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (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.) | 5.95% | 5.99% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| HOME_LOAN_APPLICATION_FEE — 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 — 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 — Includes application fee, inspection fees and draw-down fees throughout construction period. Legal fees are paid in addition to this and are at cost. · Discount −$600.00 — Package Home Loans members receive a discount off the Construction Loan application fee (eligibility: Other: Package Home Loan holder discount) | Upfront | $1,500.00 |
| LATE_PAYMENT — Charged to loan account | Late payment | $25.00 |
| REDRAW_FEE_-_STAFF_ASSISTED — Charged to loan account | Event | $30.00 |
| SAFE_CUSTODY_FEE — Charged yearly · E.g. certificate of titles, wills, etc | Ongoing | $50.00 |
| RE-ISSUE_LOAN_DOCUMENTATION_FEE — For mortgage products | Event | $300.00 |
| SPECIAL_ATTENDANCE_FEE — Charged at cost | Event | $0.00 |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) — Charged per page. For statements issued prior to January 1997 the fee is $3 per page. | Event | $1.50 |
| SOLICITORS_PREPARATION_FEE — Charged at cost | Event | $0.00 |
| ADDITIONAL_VALUATION_FEE — Charged at cost | Event | $0.00 |
| SEARCH_FEES — Charged at cost | Event | $0.00 |
| SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE — Charged at discharge | Event | $696.00 |

## Features

- **Digital banking**
- **Redraw facility** (Redraw fees apply)
- **Extra repayments** (No penalty for extra repayments)
- **Split Loan available**

## Eligibility

- **Minimum age** — 18 years (18 years)
- **Individuals only**
- **Residency status** — Australian citizen or premanent residency only

## Constraints

- **Minimum limit** — $50,000.00 (Minimum loan amount applies at time of application)
- **Maximum LVR** — 80% (Maximum 80% LVR)

## More information from CommFCU

- [Overview](https://www.communityfirst.com.au/products/go-basic-home-loan)
- [Terms & conditions](https://communityfirst.com.au/support/important-information/disclosure-documents)
- [Eligibility](https://www.communityfirst.com.au/applying-for-a-loan)
- [Fees & pricing](https://communityfirst.com.au/tools/rates-and-fees)

## Data provenance

- Published by CommFCU under the Consumer Data Right
- Product ID: `GB-OOPI-LVR80`
- Last updated by the provider: 21 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commfcu/GB-OOPI-LVR80
- Provider page: https://www.cdrcompare.au/brands/commfcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000031

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commfcu/products/GB-OOPI-LVR80) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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