Queensland Country Credit Union

Compare home loan offers from Queensland Country Credit Union.

Queensland Country Credit Union is a financial institution that aims to keep things simple. The credit union offers a range of financial services such as loans, savings and insurance products. The goal of Queensland Country Credit Union is to make it easy for clients to know what options are available to them.

Compare Queensland Country Credit Union home loans

Rates last updated September 20th, 2019
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$10 monthly ($120 p.a.)
$10 monthly ($120 p.a.)
$100 p.a.
$10 monthly ($120 p.a.)

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What does QCCU do?

When you become a member of the Queensland Country Credit Union, you also become a part-owner of the organisation. QCCU currently has 23 branches in Queensland and has almost 60,000 members.

QCCU offers a wide range of home loan products to its members. Take your pick from fixed rate, variable rate and split rate home loans. These loans comes with a variety of beneficial features that make home ownership easier and more convenient.

Home Loans offered by QCCU

Standard Variable Rate Home Loan

This loan offers a variable rate to let you take advantage of market fluctuations. It has the following features:

  • 100% mortgage offset account
  • Extra repayments without penalty
  • Redraw facility
  • Automatic repayments through direct debit

There is an establishment fee, a monthly maintenance fee and document fees associated with this loan.

Discounted Home Loan for First Home Buyers

Get discounted rates during the first year of this loan. This is a significant benefit because the first year is usually the toughest year, as homeowners get used to budgeting to pay off their loan. After the first year, the loan automatically converts to the Standard Variable Rate Loan. However, you have the option to choose the Fixed Rate Home Loan for a fee. Other features include:

  • A 100% offset account
  • Unlimited additional repayments without penalty
  • A redraw facility to get access to additional repayments you’ve made
  • Automatic repayment functionality through direct debit

There is an establishment fee, a monthly maintenance fee and document fees to consider when applying for this loan.

Fixed Rate Home Loan

The Fixed Rate Home Loan combines the benefits of knowing how much you need to repay every month with an offset account. Other features include:

  • Extra repayments without any penalty
  • A redraw facility
  • The ability to make automatic payments through direct debit

Vacant Land Loan

If you are looking to purchase a vacant lot where you can build a home in the future, the Vacant Lot Loan would be the most appropriate option for you. It works like a home loan but the interest rates can be fixed or variable. This loan also features a redraw facility (for owner-occupiers only), no penalties for extra repayments, and automatic repayment through direct debit.

Ultimate Home Loan Package

As its name implies, The Ultimate Home Loan Package is a complete package deal from Queensland Country Credit Union. It gives you the opportunity to save money each and every year with the following benefits:

  • An interest rate discount off the standard variable rate
  • No establishment fee
  • No document fee
  • No loan administration fee
  • Discount on home and contents insurance for the first year
  • No monthly service fee on All Access Account
  • $0 annual fee on Visa credit card
  • No establishment fee on personal loans

Aside from the 100% offset account, the Fixed Rate Home Loan also features automatic repayments through direct debit, the ability to make extra repayments without penalty, and a redraw facility.

Home Equity Loan

Are you looking for a way to fund some home improvements or a renovation? The Home Equity Loan gives you access to funds for purchasing a car, funding a holiday, or paying for your child’s university fees. There is an establishment fee, a monthly maintenance fee and document fees associated with this loan.

Home Improvement Loan

Do you want to make some improvements around the house? Taking out a Home Improvement Loan will let you live in the home of your dreams, while home improvements can also increase the value of your property. If you already have a home loan with Queensland Country Credit Union, you can simply add this loan to your existing loan. You can also have two accounts if you want to manage them separately. Features include:

  • Extra repayments without penalty
  • Redraw facility
  • Automatic repayments through direct debit

Line of Credit

The Line of Credit option offers the most flexibility because the loan can be used for your home, vehicle, or any other credit requirements. The downside is that the interest rate for this product is higher than traditional home loans. It allows you to pay off as much or as little as you prefer, provided you don’t exceed the credit limit. Other features of this product include:

  • Continual credit facility
  • No set repayments
  • Access to the funds via Internet, phone, and branch banking

About how to compare home loans

Pros and cons of QCCU Home Loans


  • Dedicated account manager. Deal with one loan manager from the start of the process until your application is approved.
  • Quick turnaround. Loan approval is fast. In many cases, you can expect to hear back from your loan manager within 24 hours of submitting the loan application.
  • Low deposit loans. Saving up for the deposit is a struggle for first-time home buyers. QCCU’s low deposit home loans give you the chance to own a home without unaffordable down payments.


  • Available in Queensland only. The credit union operates in the Queensland region, which is a drawback for customers in other states.
  • Limits apply on extra repayments on the fixed loan. If you choose to apply for a Fixed Rate Home Loan, there is a limited amount you can repay per year without penalty.

How to apply for a Queensland Country Credit Union home loan

Applying for a home loan is a smooth and straightforward process at the Queensland Country Credit Union. The credit union gives you three ways to apply for a home loan:

  • Visit a branch and make an appointment with a lending specialist
  • Call them
  • Meet a mobile lender (for Townsville residents only). They are available seven days a week and can meet you in a place that is convenient for you.

Documents needed to apply for a Queensland Country Credit Union home loan

Personal information

  • Main ID (passport, Australian driver’s licence or birth certificate)
  • Supporting ID (credit card, utility bill or rates notice)

Property information

Property documents you’ll need to supply include:

  • Copy of the contract of sale
  • Receipt copy of the deposit paid
  • Copy of the construction plan
  • Building quotes

Financial information

You’ll need to supply proof of income:

  • If employed (payslips for the last four weeks or two years of income tax returns)

QCCU will also need to see a range of other information:

  • Account statements
  • Credit card statements, car loan, student loan etc
  • Details of assets, including details of property, vehicles, life insurance and other major assets

QCCU offers a wide range of home loans for borrowers with a variety of needs. If you think a QCCU loan might be perfect for you, compare their loans online so that you end up with the best possible deal.

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

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2 Responses

  1. Default Gravatar
    SusanMay 20, 2014

    HHow do I increase my visa credit on line aapplication

    • Avatarfinder Customer Care
      ShirleyMay 21, 2014Staff

      Hi Susan,

      Thanks for your question.

      Please contact the customer service team at Queensland Country Credit Union to assist you with increasing your credit limit.


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