Borrow against the equity in your home
Quick and easy to establish
No penalties for extra repayments

Our home equity loan allows you to fund home improvements, renovations, purchase a car or for another worthwhile need, by borrowing against the equity in your existing residential property.

For example, your may own your house valued at $300,000. Our Home Equity Loan allows you to borrow up to 90% of the value of the property, which means you could borrow up to $270,000 to achieve your goal.

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  • Variable interest rate
  • No penalties for extra repayments
  • Terms up to 10 years
  • Choice of weekly, fortnightly or monthly repayments

Rates & Fees

Home Equity loan (Principal & Interest) 5.74^^^Interest rate 6.81*Comparison rate
Home Equity loan (Principal & Interest) effective Thursday 1 August 2019
Establishment fee $250
Document fee $250
Loan maintenance fee $10
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The fine print

^^^Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.

*WARNING:These Comparison Rates apply only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available online or at any Queensland Country Credit Union branch.

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request. Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Home Loan brochureAccount and Access Facility Conditions of UseFees and Charges brochure,  Financial Services GuideLoan Interest Rate Schedule and Credit Guide.

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Home loan key fact sheets

Queensland Country Credit Union, like all lending institutions, offers a Home Loan Key Facts Sheet to help you compare home loans in the market.

Home Loan Key Facts Sheets provide information about our loan products in a set standard format so it is easier for you to shop around and compare our loan products with those of other lenders (i.e. to compare apples with apples). The Home Loan Key Facts Sheet is one of a number of initiatives of the Government’s Fairer and Simpler Banking reforms.

Please click on the link to generate a Home Loan Key Facts Sheet which you can then choose to print or receive by email.

Home Loan Key Facts Sheets

A home loan facts sheet is not an offer of credit. Queensland Country Credit Union is not obliged to provide you with the home loan described in the home loan facts sheet, you still need to apply for the loan and meet the lending criteria.