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 Owner Occupied loans
- 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 Variable Package Rate - where LVR is greater than 80% (Principal & Interest)||4.44~||4.79*|
|Discount Variable Package Rate (Principal & Interest)||4.64^^||4.99*|
|Discount Variable Package Rate (Interest Only)||5.14^^||5.47*|
|Investment Home Loan Discount Variable Package Rate - where LVR is less that 70% (Principal & Interest)||4.24~||4.59*|
|Investment Home Loan Discount Variable Package Rate - where LVR is less than 80% and greater than 70% (Principal & Interest)||4.34~||4.69*|
|Investment Home Loan Discount Variable - where LVR is greater than 80% (Principal & Interest)||4.44~||4.79*|
|Discount Variable Package Rate (Principal & Interest) - where LVR is less than 70%||4.24~||4.59*|
|Discount Variable Rate (Principal & Interest) - where LVR is more than 70% but less than 80%||4.34~||4.69*|
The fine print
^^ Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Only available under the Ultimate Home Loan Package. Total borrowings from Queensland Country must be $100,000 or more.
~ Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Available for limited time only. May be withdrawn at any time before a loan contract is entered into. For new borrowings involving a new mortgage to Queensland Country Credit Union Limited ('Queensland Country'). Not available for the restructure of existing Queensland Country loan facilities. The LVR excludes any Lenders Mortgage Insurance which may be required. Only available under the Ultimate Home Loan Package. Total borrowings from Queensland Country must be $100,000 or more.
*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 brochure; Fees and Charges brochure; Visa Debit Card Conditions of UseCueCard Conditions of Use; Internet Banking, Phone Service and Mobile Banking Terms and Conditions of UseFinancial Services Guide; Loan Interest Rate Schedule; and Credit Guide.
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.
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.