Boost Package
Home Loan Investment
A variable rate for investors with a life of loan discount plus other savings
Investment — Maximum LVR 80%
| Loan Type | Interest Rate | Comparison Rate* |
| Boost Package Home Loan Variable – LVR up to 80% |
5.99% p.a.1 | 6.37% p.a.* |
Investment — Maximum LVR 95%
| Loan Type | Interest Rate | Comparison Rate* |
| Boost Package Home Loan Variable – LVR up to 95%3 |
6.29% p.a.2 | 6.66% p.a.* |
Investment — Maximum LVR 80%
| Loan Type | Interest Rate | Comparison Rate* |
| Boost Package Home Loan Variable – LVR up to 80%2 |
6.24% p.a.1 | 6.44% p.a.* |
Investment — Maximum LVR 95%
| Loan Type | Interest Rate | Comparison Rate* |
| Boost Package Home Loan Variable – LVR up to 95%3 |
6.54% p.a.2 | 6.74% p.a.* |
Why Boost Package ?
Value
Save with a life of loan discount off the Boost Package reference rate.
Flexible
Includes a 100% offset account (up to 8 per member5) with a Visa Debit Card plus fee waivers on other products and services.
Low fuss
Borrow up to 95% of the property value with Lenders’ Mortgage Insurance2 to finance the purchase, build or refinance the property you live in.
The annual package fee you pay to unlock discounts and benefits.
Includes one standard valuation and one legal fee for one security property. Additional fees apply for construction loans.
Fees apply for Staff Assisted redraw (e.g. BPAY® 4 , internal and external transfers).
Applies to approved applicants for our low rate credit card (excludes pink and blue cards) – saving you $50.
We’ll waive the personal and car loan application fee – a saving of $249 to approved applicants.
Each year, we’ll give you one free loan variation saving you $300. Refer to our Boost Package Fact Sheet for more information.
Up to 8 per membership on Variable Boost Package home loans 5
Prefer to fix all or part of your loan?
Take a look at our competitive fixed rate options under the Boost Package Home Loan
Supplying your Bank Statements
As part of your supporting documentation for your home loan application, we will require a copy of your transaction listing for the bank account your income is deposited to. This must be supplied via our Bank Statements service.
Home Loan Key Facts Sheet
Please take a moment to review the Home Loan Key Facts Sheet before you begin. Different interest rates apply based on loan purpose and repayment types.
Boost Package Fact Sheet
All you need to know about the Boost Package.
Fees and charges
Refer to our fees and charges schedule for more information about fees and charges that may apply in relation to your loan.
Important notes
Effective 1 September 2025, these Community First Bank home loan products are available for distribution by Illawarra Credit Union (third party introducers) and their accredited third party brokers. These products will be available for applicants directly applying with Illawarra Credit Union from 12 September 2025.
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 05/03/2026, is for new money and switches and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender.
2 Rate is current as at 05/03/2026, is for new money and switches and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender. Lenders’ Mortgage Insurance applies for LVR over 80%. Some suburb exclusions apply.
4 ® Registered to BPAY Pty Ltd ABN 69 079 137 518
5 Offset accounts must be in the same names as the home loan account holders. Members with joint home loans must hold joint offset accounts.
*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.
