Quay Credit Union home loan comparison


Compare all home loans offered by Quay Credit Union to see if one suits you

Quay Credit Union offers the same services as any major bank, but its aim is to meet member expectations rather than make profits. The credit union was established in 1971 as the AMP Employees’ and Agents’ Credit Union Limited but is now open to almost anyone who wishes to join.

Quay Credit Union is predominantly an online only lender, which means you conduct your banking through a combination of Australia Post outlets, NAB branches, ATMs, their call centre and online with a computer or your mobile. You can also carry out some limited activities such as becoming a member by visiting their administration office.

Quay Credit Union merger with G&C Mutual Bank

Quay Credit Union has merged with G&C Mutual and will no longer be offering products or services. This pages is merely for informational purposes.
Existing Quay Credit Union customers will be notified directly about changes to their banking.

What services do Quay Credit Union they offer?

Quay Credit Union aims to offer competitive interest rates, fewer fees and personalised service to its customers. It provides a range of home loan products to suit members with varying requirements, whether you’re buying your first home, investing in property or looking to refinance. There are no-frills home loans available, fixed and variable interest rates, and a range of impressive loan features.

Home loans offered by Quay Credit Union

Basic Home Loan

The Basic Home Loan is a simple, straightforward loan. It offers a range of benefits without the ongoing fees. It features a competitive variable rate, free redraw, no penalty for early repayment, and an interest-only option for up to a set time limit.

Premium Home Loan

The Premium Home Loan has all the benefits of the Basic Home Loan, but the main difference is that it comes with a full offset facility which helps you pay off your loan sooner. Taking advantage of this home loan can potentially save you tens of thousands of dollars over the course of the loan term.

FirstStart Home Loan

If you are a first-time home buyer, the FirstStart Home Loan is the perfect solution for your needs. It was specifically created to help first home buyers get affordable financing. It has plenty of features including competitive variable rates, free redraw facility, no penalty for early repayments, and First Home Owners Grant assistance.

Fixed Rate Home Loans

Lock in the interest rate for your home loan and get the certainty of knowing how much your repayments will be for a set period. Once your fixed rate period is up, you have the option to apply for another fixed rate loan or switch to a variable loan. You can additional payments towards the loan up to $10,000 per annum.

About how to compare home loans

Pros and cons of Quay Credit Union home loans


  • No ongoing fees. While some other banks and credit unions charge these fees Quay Credit Union does not.
  • Easy-to-understand policies. Quay Credit Union keeps things simple so their loan features are easy to understand. All the information you need about fees and charges is easily available on the credit union’s website.


  • Maximum fixed rate loan term of two years. Other banks and credit unions have a selection of fixed term loan options.

How to apply for a Quay Credit Union home loan

The best way to apply for a Quay Credit Union home loan is to do it online. Fill out the online application form and submit it, you need to be a resident of Australian and at least 18 years of age to apply. A representative will get back to you quickly with advice on how to proceed.

Other ways to submit the application form include:

  • Fax
  • Email
  • Mail

Documents needed to apply for a Quay Credit Union home loan

When applying for a loan with Quay Credit Union you'll need to provide a range of details including your personal information, property information and financial information.

  • Personal information. You usually must provide identification in the form of a driver's licence and passport, as well as your address and other contact details.
  • Property information. You'll have to include details about the property including its price, location and anything else Quay may request.
  • Financial information. You'll need to supply information about your employment, including your income, your debts and other assets.

This must be provided by each applicant whether you are applying on your own or as part of a couple or other multiple applicants.

The next time you’re shopping for a home loan, consider adding a product from Quay Credit Union into your comparison.

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

Logo for HSBC Home Value Loan - (Owner Occupier P&I)
HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

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