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Need Some Wiggle Room for Your New Home?

Need some wiggle room to help you get started?  Our personalised service and low deposit requirements can ease you from where you are to where you want to be, with the breathing space to live a little.

Found your new home, but haven’t quite reached the recommended 20% loan deposit goal? 

Don’t stress, our Low Deposit Package Loan* allows you to borrow a whopping 95% of the value of your new home plus the value of your Lenders Mortgage Insurance on top of your loan amount. Better yet, your 0.75% discount off the standard variable rate is guaranteed for the entire life of the loan. 

If you have saved 20% you might be eligible for a lower rate with our Special Variable Package Loan or RateSaver 3 Year Fixed Rate Loan. To learn more about our Special Variable Package Loan click here.

The Low Deposit Package Home Loan is part of our Ultimate Home Loan package, a bundle that includes your home loan, our Ultimate Package Account (an everyday transaction account) and our low rate optional credit card. Plus, there's no establishment, document or monthly loan maintenance fees! (Annual package fee of $350 applies along with other fees and charges).

Things to consider

  • Take advantage of government grants and stamp duty concessions available to first home buyers. Chat to our team in branch to see what you might be eligible for.
  • Remember that extra costs can increase the size of the deposit you will need. Use our budgeting calculator as a tool to guide what you might be able to afford, but don't hesitate to chat to us to learn more. 
  • Be realistic with your budget. Base it on what you can afford to repay now, not the maximum you're allowed to borrow, and factor in how life changes in the future may impact on what you can afford with repayments.

To find out more about the process and benefits of buying your first home, make an appointment to visit your nearest branch.

Must Read Information

Comparison Rate Warning

^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. The comparison rate is for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years..

*Low Deposit Package Loan

Limited time variable rate offer under our Ultimate Home Loan Package for new  , principal and interest loans with new borrowings of at least $100,000 with a maximum loan to value ratio of 95% excluding lenders mortgage insurance. A 0.75%p.a. discount off the Principal and Interest Standard Variable Rate applies for the life of the loan.   Normal lending criteria, terms, conditions and fees apply and are available on request. ^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. The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years. Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533.

**Special Variable Package Rate

Limited time offer under our Ultimate Home Loan Package for new principal and interest loans of at least $100,000 with maximum loan to value ratio of 95% for owner occupied and 90% for residential investment loans. Not available for the restructure of existing loan facilities with us. Offer includes a discount off the Standard Variable Rate for the life of the loan as detailed in the loan contract and is subject to withdrawal any time before the loan contract is entered into. Normal lending criteria, terms, conditions and fees apply and are available on request. ^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. The comparison rate is for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years. Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533.