It looks like you are using an older browser. From Tuesday 16th August 2016, a security upgrade to NetBanking will mean that people using older browsers will not be able to access NetBanking.

Find out more about updating your browser.

To avoid inconvenience, please upgrade your browser immediately. Directions on how to do so can be found by clicking on the title of your chosen browser. Internet Explorer, Chrome, Firefox, Opera or Safari.

AccountsAccounts

LoansAccounts

InsuranceAccounts

CardsCredit Cards

Financial Planning

Foreign ExchangeAccounts

Something ExtraSomething extra

About UsAccounts

home-loan-special

BlogAccounts

Club HeroAccounts

Buying your first home?

Need some wiggle room to help you get started?  Our personalised service and low deposit requirements can ease you from where you are to where you want to be, with the breathing space to live a little.

Look at you go! Buying your first home – one of the most exciting times in your life – but, we know it can also be one of the most stressful too. Don’t fret, we’re here to help make the process easier!

With two simple variable rate home loans, you’ll have flexibility in your options, depending on how large your deposit is.

Already saved enough to cover your Lenders Mortgage Insurance? Or, even better – have you gone above and beyond on your loan deposit goal? Then, our Special Variable Package Loan** may be the perfect option for you! Better yet, your discount off the standard variable rate is guaranteed for the entire life of the loan.

Haven’t quite reached your loan deposit goal yet? Our Low Deposit Package Loan* allows you to borrow a whopping 95% of the value of your new home plus the value of your Lenders Mortgage Insurance on top of your loan amount (LMI restrictions apply). A 0.75% discount off the standard variable rate for the life of the loan applies. 

Learn more about our Special Variable Package Loan

Both offers are a part of our Ultimate Home Loan package, a bundle that includes your home loan, our Ultimate Package Account (an everyday transaction account) and our low rate optional credit card. Plus, there's no establishment, document or monthly loan maintenance fees! (Annual package fee of $350 applies along with other fees and charges).

FAQ

As a First Home Buyer you may be wondering what is Lenders Mortgage Insurance (LMI) and is it required? 

Unless you are in a position to borrow only 80% of the value of your home, the answer is yes, you will need it.  Lenders Mortgage Insurance protects the lender (Queensland Country Credit Union) from financial loss if you, the borrower, fail to meet your home loan repayments.  If the deposit you have saved is less than 20% of your total property value you will need to purchase Lenders Mortgage Insurance when taking out a home loan with Queensland Country.  Each lender is different though so ensure you check their policy before taking out a loan.

Contact us

Complete the form below to have one of our home lending experts contact you.

Full Name *

Email

Phone *

Postcode *

Message *

What will be the purpose of your loan?*
To live in For investment purposes

Where did you hear about us?*
Online Newspaper In-store Radio

 

Alternatively, you may apply online, call us, or download the key fact sheet using the buttons below. 

Apply NowContact UsHome Loan  Key Fact Sheet

Comparison Rate Warning

^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate is for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years..

*Low Deposit Package Loan

Limited time variable rate offer under our Ultimate Home Loan Package for new  , principal and interest loans with new borrowings of at least $100,000 with a maximum loan to value ratio of 95% excluding lenders mortgage insurance. A 0.75%p.a. discount off the Principal and Interest Standard Variable Rate applies for the life of the loan.   Normal lending criteria, terms, conditions and fees apply and are available on request. ^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years. 

**Special Variable Package Rate

Limited time offer under our Ultimate Home Loan Package for new principal and interest loans of at least $100,000 with maximum loan to value ratio of 95% for owner occupied and 90% for residential investment loans. Not available for the restructure of existing loan facilities with us. Offer includes a discount off the Standard Variable Rate for the life of the loan as detailed in the loan contract and is subject to withdrawal any time before the loan contract is entered into. Normal lending criteria, terms, conditions and fees apply and are available on request. ^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate is for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years. Queenslanders Credit Union is a division of Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/ Australian Credit Licence 244 533.