Buying your first 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.

Buying your first home is an exciting time in your life – but it can also be a little daunting. To help make the process easier, we've introduced our First Home Buyers Package Loan. A variable rate available to owner occupiers.

It's 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).

Our special rate will have you breathing a sigh of relief at

Fast Facts

0.90%p.a. discount off the standard variable rate for the life of the loan

Borrow up to 95% of the value of your new home (excluding LMI)

Borrow the value of your lenders mortgage insurance on top of your loan amount if required

Why choose the Ultimate Home Loan Package?


100% mortgage offset account

For owner-occupied home loans. The money deposited in this account can be withdrawn at any time so it gives you financial flexibility while reducing the interest you pay.

Less fees

No establishment, document or monthly loan maintenance fees on eligible loan products. Did you know a comparison rate is a tool to help you work out the true cost of a loan? It factors in the interest rate, fees and charges.

Redraw facility

Available on owner-occupied home loans. A home loan with a redraw facility gives you flexibility to make additional repayments if you have money spare, while keeping the ability to access those additional repayments if needed.

Home & Contents Insurance

10% discount for the first 12 months on CGU home and contents insurance where insurance is arranged through Queensland Country.

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.

Alternative Offers

Must Read Information

This variable rate product is available from 24/06/19 for a limited time only under our Ultimate Home Loan Package to First Home Buyers for the purchase of their principal place of residence, principal and interest loans with new borrowings of at least $100,000.  Not available for the restructure of existing Queensland Country Credit Union loan facilities. Offer is subject to withdrawal at any time before a 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