RateSaver Variable Loan

RateSaver Variable Home Loan (Owner Occupied and Residential Investment) 3.69##Interest rate 3.73*Comparison rate
Thursday 1 August 2019
Fees
Loan maintenance fee $10 Waived for the life of the loan
Establishment fee $250
Document fee $250

RateSaver 3 Year Fixed Loan

RateSaver 3 Year Fixed Loan (Owner Occupied and Residential Investment) 2.99#Interest rate 3.77*Comparison rate
RateSaver 3 Year Fixed Interest Only Loan 3.49#Interest rate 3.90*Comparison rate
RateSaver 3 Year Fixed Loan (Owner Occupied and Residential Investment) effective Tuesday 8 October 2019
RateSaver 3 Year Fixed Interest Only Loan effective Tuesday 8 October 2019
Fees
Loan maintenance fee $0
Establishment fee $250
Document fee $250

Ultimate Home Loan Package

Special Variable Package Rate (Principal and Interest) (Owner Occupied and Residential Investment) 3.39~Interest rate 3.76*Comparison rate
Low Deposit Package Loan (Principal & Interest) (Owner Occupied) - maximum LVR 95% plus LMI (LMI restrictions apply) 3.99~Interest rate 4.34*Comparison rate
Interest Only Package Loan - where LVR is 90% or less 3.89~Interest rate 4.24*Comparison rate
Discount Variable Package Rate (Principal & Interest) (Owner Occupied & Residential Investment) 4.24Interest rate 4.59*Comparison rate
Discount Variable Package Rate (Interest Only) (Owner Occupied and Residential Investment) 4.84Interest rate 5.17*Comparison rate
1 Year Fixed Rate Package Loan (Principal & Interest) (Owner Occupied and Residential Investment) 3.74Interest rate 4.54*Comparison rate
2 Year Fixed Rate Package Loan (Principal & Interest) (Owner Occupied and Residential Investment) 3.74Interest rate 4.50*Comparison rate
3 Year Fixed Rate Package Loan (Principal & Interest) (Owner Occupied and Residential Investment) 3.84Interest rate 4.48*Comparison rate
1 Year Fixed Rate Package Loan (Interest Only) (Owner Occupied and Residential Investment) 3.99Interest rate 5.09*Comparison rate
2 Year Fixed Rate Package Loan (Interest Only) (Owner Occupied and Residential Investment) 3.99Interest rate 5.02*Comparison rate
3 Year Fixed Rate Package Loan (Interest Only) (Owner Occupied and Residential Investment) 3.99Interest rate 4.95*Comparison rate
Fees
Annual fee $350

Fixed Rate Home Loan

1 Year Fixed Rate (Principal & Interest) (Owner Occupied and Residential Investment) 3.89^Interest rate 4.82*Comparison rate
2 Year Fixed Rate (Principal & Interest) (Owner Occupied and Residential Investment) 3.89^Interest rate 4.74*Comparison rate
3 Year Fixed Rate (Principal & Interest) (Owner Occupied and Residential Investment) 3.99^Interest rate 4.70*Comparison rate
1 Year Fixed Rate (Interest Only) (Owner Occupied and Residential Investment) 4.14^Interest rate 5.38*Comparison rate
2 Year Fixed Rate (Interest Only) (Owner Occupied and Residential Investment) 4.14^Interest rate 5.27*Comparison rate
3 Year Fixed Rate (Interest Only) (Owner Occupied and Residential Investment) 4.14^Interest rate 5.17*Comparison rate
Rate effective from Thursday 1 August 2019
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Standard Variable Rate Home Loan

Standard variable rate (Principal & Interest) (Owner Occupied and Residential Investment) 4.74^Interest rate 4.90*Comparison rate
Standard variable rate (Interest Only) (Owner Occupied and Residential Investment) 5.34^Interest rate 5.49**Comparison rate
Loan rates effective Thursday 1 August 2019
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Home Equity Loan

Home Equity loan (Principal & Interest) 5.74^^^Interest rate 6.81*Comparison rate
Home Equity loan (Principal & Interest) effective Thursday 1 August 2019
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Line of Credit

Line of Credit (Owner Occupied and Residential Investment) 5.19Interest rate
Discount Package Line of Credit (Owner Occupied and Residential Investment) 4.69Interest rate
Line of Credit (Owner Occupied and Residential Investment) effective Thursday 1 August 2019
Fees
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.

# Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 0.75%p.a. for the life of the loan.

## Includes a 1.05% p.a. discount off our Principal and Interest Standard Variable Rate (SVR) for the life of the loan.

~~ Available for the purpose of purchasing or refinancing residential investment properties. Maximum interest only term 3 years. Includes a 1.35% p.a. discount off our Interest Only SVR. Following expiry of the interest only period, loan will revert to principal and interest repayments with a 0.75%p.a. discount off the Principal and Interest SVR.

*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.