Discounted interest rate
Package together your banking
No establishment, document or monthly loan maintenance fees

If you want a loan with lots of features and discounts, consider our Ultimate Home Loan package. You could save up to $1,300 a year, compared to our standard variable rate home loan on a $300,000 loan over 30 years.

Our Ultimate Home Loan Package bundles together your home loan with our All Access everyday transaction account and our low rate credit card. You can also receive fee waivers on personal loans and other loan products and access discounted general insurance under our package. You pay an annual fee of just $350, which gives you a range of ongoing discounts, saving you a lot of money over the life of your loan.


  • Available for both owner occupied and investment purposes
  • Discounted variable interest rate
  • No establishment, document or monthly loan maintenance fees on eligible loan products
  • 10% discount on home and contents insurance for the first year, additional discounts available for insurance
  • $0 annual fee on Visa Credit card (saving $39 a year)
  • $0 annual fee on Rewarder credit card rewards program (saving $58 a year)
  • $0 establishment fee on personal loans (saving $120)
  • Packages together home loan, credit card, transaction account
  • 100% mortgage offset account for owner-occupied home loans
  • Redraw facility on owner-occupied home loans
  • No penalties for extra repayments
  • Your choice to make repayments weekly, fortnightly or monthly

Rates & Fees

Product Interest rate Comparison rate
Discount 2 Year Fixed Rate - where LVR is less than 80% 3.99 4.61*
Discount Variable Rate - where LVR is less than 70% (includes 0.90% discount) ^ 4.24 4.60*
Discount Variable Rate - where LVR is greater than 70% and less than 80% (includes 0.80% discount) ^ 4.34 4.70*
Discount Variable Rate - where LVR is greater than 80% (includes 0.70% discount) ^ 4.44 4.80*
Discount Line of Credit (with 0.50% discount) 5.09 N/A
Loan rates effective Saturday 1 April 2017
Fee Amount
Annual fee $350
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The fine print

The Ultimate Home Loan Package interest rate discount is available where the combined mortgage limit at the time of taking out the Ultimate Home Loan Package is $100,000 or higher. The package is still available for the life of the loan, even if it falls below this amount.

^For new borrowings exceeding $100,000 and involving a new mortgage to Queensland Country. Interest rate is determined by deducting a discount from the Standard Variable Rate. The discount is determined by reference to the Loan to Valuation Ratio (LVR).
# Available for limited time only and may be withdrawn at any time before a loan contract is entered into. For new borrowings involving a new mortgage to Queensland Country. Not available for the restructure of existing Queensland Country home loan facilities.

All interest rates quoted are per annum. Rates are subject to change without notice.

*This Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

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 at any Queensland Country Credit Union branch. 

Loan to Value Ratio (LVR) restrictions apply to some loan types. Loan applications received where the main loan purpose is to refinance other financial institution debts, purchase vacant land or home improvements will be restricted to a maximum of 90% LVR. LVR may also vary depending on the location and type of any security property. Lenders Mortgage Insurance premium (if applicable) and Government charges apply.

Normal lending criteria apply. Fees and charges may apply. Download our Fees and Charges brochure for full details.

Before acquiring this product you should read the Home Loans and Line of Credit brochure to view the terms and conditions of this loan and to determine if this product is right for you.

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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.