Here are the key features and details you need to know about QBANK's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It is possible to get a home loan with a deposit as low as 5%. |
| Offset account | You can get an offset account with several of its loans. |
| Repayment options | Several of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans. |
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
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The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
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I was a serving police officer with the QPS for 20 years prior to being medically discharged from the service in May 2008.
I was wondering whether as a past QPS officer I could be eligible to have my NAB home loan refinanced with the QLD Police Credit Union.
I am not currently a member of the QLD Police Credit Union.
Can you advise me whether I could be eligible for refinancing.
I am currently employed with the Queensland Treasury and Trade.
I am only enquiring at this stage.
Hi Chris,
thanks for the question.
You can join the QPCU if you are, or have formerly been an employee of the Queensland Police Service. Once you’re a member you can apply for a loan with QPCU provided you fulfil the eligibility requirements they have, much like a regular bank or credit union.
I hope this helps,
Marc.