Home Loans
Whether it is your first home, dream home or an investment property, at Queenslanders Credit Union we understand that home is where the heart is. With a comprehensive range of competitive home loan products, we are confident you'll find a home loan to suit your needs.
If fact, we're so confident of our product range that, for a limited time only, we're waiving the usual home loan Establishment Fee and providing $500 cash back for anyone who refinances a home loan from a bank to us. Full details of our offer are available here or by calling our specialist lending team on 1300 QLDERS.
Whether your after a standard home loan or something specific, we're sure to have a product to suit you. Select one of our home loans below to get started.
This is our premium home loan package for loans of $250,000 or more. We reward you for borrowing more with our lowest variable rate and extra features.
|  |
Need to borrow a bit less? This one is our competitive variable rate home loan for loans of $50,000 or more.
| |
For loans of $50,000 or more, a fixed interest rate allows you to set your budget in advance and know what your repayments will be for a set amount of time.
| |
A loan and transaction account rolled into one, this product provides unrivalled flexibility through a convenient overdraft style home loan.
| |
Whether you're looking to build, or perhaps move house without selling, talk to us! With a bit more flexibility, an interest only loan might be just what you're after.
| |
You can quickly and easily compare our standard home loan products and their various features all in one go by clicking here.
Applying is easy!
Simply pick up an application from your local Queenslanders Credit Union branch or cal 1800 QLDERS to talk to one of our Lending Specialists. Or simply click below to apply online now!
Loan protection insurance is available with all Queenslanders Credit Union Home Loans. Premiums are affordable and can be built into your loan repayments. Ask your Loan Consultant to show you just how affordable peace of mind is.
Home Insurance
To ensure your newest asset is fully protected, Queenslanders can also arrange a quote on your home, contents or landlord insurance if you are purchasing an investment property.
Through our preferred insurance provider we can offer members:
- Competitively priced cover;
- A variety of policy options;
- Multiple policy discounts;
- The option to pay your premium monthly – at no extra costs; and
- Access to a Queenslanders Insurance Guru any time you want to make changes to your cover.
Queenslanders Credit Union Ltd ABN 85 087 651 063 acts under its own Australian Financial Services Licence and pursuant to an agreement with the insurer. This insurance product is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291 (CGU). The insurer of the Life and Trauma cover is National Mutual Life Association of Australasia Ltd ABN 72 004 020 437 AFSL No. 234 649 (NMLA). CGU administers the Life and Trauma cover on behalf of NMLA and CGU’s liability under that policy is limited to the administration of that cover including the management of claims. A Product Disclosure Statement (PDS) is available from Queenslanders Credit Union by calling 1800 783 377 or visiting www.queenslanders.com.au. You should consider the PDS before making decisions about these products.
Pre-approvals
If you want to hold a strong bargaining position when it comes to negotiating the price of your chosen property then get a home loan pre-approval.
Knowing exactly how much you can potentially borrow will allow you to take control of the negotiations and ensure that you don’t over-commit yourself.
Important note: A home loan pre-approval is only a guide to your borrowing capacity and is valid for up to 3 months. You should always insist on a “subject to finance” clause being included in any contract of sale and never use your pre-approval to purchase a property at auction. Subject to confirmation of the details provided as part of our formal loan application approval process.
Every Queenslanders Credit Union loan has a redraw facility.
We believe if our members want to try and save on interest costs by making extra repayments – they shouldn’t be penalised. That’s why our home loan customers can redraw every dollar they are ahead on their home loan if they ever need to.
- Like many other lenders we do not charge a redraw activation fee
- There are no limits to how many times your can redraw on your loan
- There is no minimum redraw amount
- There is no maximum redraw amount, although a $10,000 per day limit applies for any Internet Banking or Phone Banking transfers.
Ever wanted to move house but keep your loan?
If you have an existing Queenslanders Credit Union home loan and are in the market for a new home or investment property - talk to us. If we can minimise the fees payable we’ll do our best.
At Queenslanders, loyalty means everything. We’re about looking out for our members’ best interests and supporting those who support us.
Queenslanders Credit Union Ltd ABN 85 087 651 063. Terms, conditions and normal lending criteria apply. Fees and charges may apply. Full details including interest rates are available on request.
