Ultimate Home Loan Package

Product Interest rate Comparison rate
Discount Variable Package Rate - where LVR is less than 90% (Owner Occupied & Residential Investor) 3.61~ 3.97*
Discount Variable Package Rate Special (Principal & Interest) - where LVR is less than 70% 4.24~ 4.59*
Discount Variable Package Rate Special (Principal & Interest) - where LVR is more than 70% and less than 80% 4.34~ 4.69*
Discount Variable Package Rate Special (Principal & Interest) - where LVR is more than 80% 4.44~ 4.79*
Discount Variable Package Rate (Principal & Interest) 4.64~ 4.99*
Discount Variable Package Rate (Interest Only) 5.14~ 5.47*
Discount Variable Package Rate - where LVR is less than 90% (Owner Occupied & Residential Investor) effective Saturday 1 December 2018
Fee Amount
Annual fee $350

Fixed Rate Home Loan

Product Interest rate Comparison rate
1 year fixed rate (Principal & Interest) 4.29^ 5.21*
2 year fixed rate (Principal & Interest) 4.29^ 5.14*
3 year fixed rate (Principal & Interest) 4.39^ 5.09*
1 year fixed rate (Interest Only) 4.64^ 5.69*
2 year fixed rate (Interest Only) 4.64^ 5.60*
3 year fixed rate (Interest Only) 4.74^ 5.55*
Rate effective from Monday 24 September 2018
Fee Amount
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Standard Variable Rate Home Loan

Product Interest rate Comparison rate
Standard variable rate (Principal & Interest) 5.14^ 5.30*
Standard variable rate (Interest Only) 5.64^ 5.79**
Loan rates effective Monday 30 April 2018
Fee Amount
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Home Equity Loan

Product Interest rate Comparison rate
Home Equity loan (Principal & Interest) 6.14^^^ 7.20*
Loan rates effective from Monday 24 September 2018
Fee Amount
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Line of Credit

Product Interest rate
Line of Credit 5.59
Discount Package Line of Credit 5.09
Line of Credit effective Monday 24 September 2018
Fee Amount
Establishment fee $250
Document fee $250
Annual fee $100

The fine print

^Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

^^ 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 $30,000 over a 5 year term based on monthly repayments.

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 the product, the information above should be read in conjunction with the following documents to determine if the product is right for you: Home Loan brochureAccount and Access Facility Conditions of UseFees and Charges brochureLoan Interest Rate Schedule;and Credit Guide.