Are you after a variable loan?

Our personalised service and variable rates give you the freedom to make extra payments allowing you to pay off your loan sooner.

Our RateSaver Variable Loan comes with all the necessary bells and whistles, but is simple enough to suit you no matter where you are in the home loan journey.

Why should I choose a Variable Rate?

TickYellow.pngDeposit as low as 5% for owner occupiers and 10% for residential investors

TickYellow.pngNo early repayment fee for extra payments

TickYellow.pngRedraw facility for owner occupiers (minimum redraw amount applies)

TickYellow.png100% mortgage offset account on owner occupied properties

Borrowing Power

Find out what you can afford to borrow and gain a thorough understanding of your budget. Our calculators can even help you save for a goal, manage your cash flow or your spending.


What's my budget?

Use this helpful calculator to set up your household budget, either to help you dave for a foal, manage your cash flow or your spending.

Must read information

Available for a limited time only for owner occupied or residential investment, principal and interest loans with new borrowings of at least $100,000 and a maximum loan to value ratio of 95% for owner occupied and 90% for residential investment loans. Not available for the restructure of existing Queensland Country Credit Union or Queenslanders Credit Union loan facilities. Offer is subject to withdrawal at any time before a loan contract is entered into. Normal lending criteria, terms, conditions & fees apply and are available on request. Once a loan is entered into a Member will receive a 1.20% p.a. discount off the Standard Variable Rate for the life of the loan. ^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.