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CommFCU home loan rates

CommFCU's lowest advertised variable rate for a home you live in and pay down is 5.85%, read Monday 2 November. To two decimals, that is the going rate across every lender, 5.85%. Its lowest fixed rate is 5.85%, fixed for three years.

Since the Reserve Bank’s increase on Tuesday 29 September, CommFCU has not changed its lowest advertised variable rate, 5.85%, as at Monday 2 November. After the Reserve Bank’s increase has every lender.

66 advertised rates across 62 products, published by CommFCU under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

5.85% CommFCU, lowest variable rate open to anyone

5.85% The going rate

the same to two decimals

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, open to anyone: 5.85%
Lowest fixed rate: 5.85%, three years
Lowest comparison rate: 5.90%
Rates published: 66, across 62 products
Last rate move: Tuesday 13 October
Last read: Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Owner-occupied, principal and interest

Variable

Core Variable Home Loan - Owner-occupied LVR 80% Special · 5.85% (5.90% with fees)
Go Basic Variable Home Loan - Owner-occupied LVR 80% Special · 5.85% (5.90% with fees)
Go Basic Variable Home Loan - Owner-occupied LVR 80% · 6.15% (6.20% with fees)
Go Basic Variable Home Loan - Owner-occupied LVR 95% · 6.45% (6.50% with fees)
Community Advantage Variable Owner Occupied · 6.79% (6.84% with fees)

Fixed

GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% · three years · 5.85–6.39% (5.98–6.27% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% · two years · 6.49% (6.27% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% · one year · 6.54% (6.24% with fees)
GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% · three years · 6.69% (6.57% with fees)
Community Advantage 2 year fixed owner occupied · two years · 6.79% (6.84% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% · two years · 6.79% (6.57% with fees)
Community Advantage 1 year fixed Owner Occupied · one year · 6.84% (6.85% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% · one year · 6.84% (6.54% with fees)
Community Advantage 3 year fixed Owner Occupied · three years · 6.94% (6.89% with fees)

Where a rate is shown as a range, CommFCU published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess.

No rate here says how much of the property's value it applies to. That is what CommFCU publishes. It says nothing about how much it will lend.

Investment, principal and interest

11 rates

Variable

Go Basic Variable Home Loan - Investment LVR 80% · 6.39% (6.44% with fees)
Go Basic Variable Home Loan - Investment LVR 95% · 6.69% (6.74% with fees)
Community Advantage Variable Investment · 7.09% (7.14% with fees)

Fixed

GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · three years · 6.49% (6.47% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · two years · 6.54% (6.47% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · one year · 6.59% (6.39% with fees)
GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · three years · 6.79% (6.77% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · two years · 6.84% (6.77% with fees)
Community Advantage 1 year fixed Investment · one year · 6.89% (7.12% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · one year · 6.89% (6.76% with fees)
Community Advantage 3 year fixed Investment · three years · 6.99% (7.11% with fees)

No rate here says how much of the property's value it applies to. That is what CommFCU publishes. It says nothing about how much it will lend.

Investment, interest only

8 rates

Variable

Go Basic Variable Home Loan - Investment LVR 80% · 6.49% (6.48% with fees)
Go Basic Variable Home Loan - Investment LVR 95% · 6.79% (6.78% with fees)

Fixed

GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · three years · 6.79% (6.55% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · two years · 6.84% (6.53% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% · one year · 6.89% (6.49% with fees)
GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · three years · 7.09% (6.86% with fees)
GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · two years · 7.14% (6.83% with fees)
GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% · one year · 7.19% (6.79% with fees)

No rate here says how much of the property's value it applies to. That is what CommFCU publishes. It says nothing about how much it will lend.

Restricted to particular groups

Product	Who it is for	Rate
BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)	a particular group only, per its published conditions	5.99%
BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% Special (Principal and Interest)	a particular group only, per its published conditions	5.99%
BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)	a particular group only, per its published conditions	6.14%
BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.29%
BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.29%
BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.39%
BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.39%
BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.44%
BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)	a particular group only, per its published conditions	6.44%
BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Interest Only)	a particular group only, per its published conditions	6.59%
BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)	a particular group only, per its published conditions	6.59%
BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)	a particular group only, per its published conditions	6.59%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

CommFCU last moved a rate on Tuesday 13 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 2 publish a lower one than CommFCU's 5.85%. The nearest either side:

AAA FINANCIAL CORPORATION 5.69%
Easy Street 5.79%
CommFCU 5.85%
Mortgage House 5.89%
RACQ Bank 5.89%

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what CommFCU told you, it is usually one of these.

The published data is wrong

CommFCU publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: CommFCU
ABN: 80087649938
Product Reference Data endpoint: https://netbank.communityfirst.com.au/cf-OpenBanking
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 66

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

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This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

Are you paying more than you need to? your rate against every lender publishing one
How fast should you pay it off? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? every published rate, and how fresh it is

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.