Queensland Country Credit Union home loans

Queensland Country Credit Union
Queensland Country Credit Union's overall rating for home loans

(as rated by the Mozo community)

9.4 / 10

based on 13 reviews

Queensland Country Credit Union is an independent, customer owned organisation that has been providing Queenslanders, especially those living in regional areas, with an extensive range of financial services since 1971. At present, the Queensland Country Credit Union boasts almost 60,000 members and 23 branches throughout the wider Queensland state.

This year, Queensland Country Credit Union took home a Mozo Experts Choice Award for Best Value Fixed Rate Investor Home Loan. 

Whether you’re an owner occupier or property investor, you’ll be able to choose from a range of fixed, variable and package home loan options offered by Queensland Country Credit Union. If you want to know more, you’ve come to the right page. Here you’ll find a guide to the ins and outs of Queensland Country Credit Union’s home loans including what home loans are available and what features you should look in choosing the right home loan for you.

Rates and fees verified as correct at 07 December, 2016. Other information correct at the time of writing.

What home loans do Queensland Country Credit Union offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Queensland Country Credit Union offers a range of fixed home loans from which you can choose depending on whether you’re an owner occupier, investor or a first home buyer. The owner occupier and investor options are available on loans starting from $5,000 (up to a maximum of $5 million) and have fixed terms from a period of 1 year up to 3 years. There is plenty of flexible features including an extra repayment facility (up to $10,000 per year), a redraw facility (fees apply for owner occupiers) and the ability to make automatic repayments via direct debit on a weekly, fortnightly or monthly basis. Owner occupiers will be happy to hear that they can take full advantage of an offset account to help them save on interest over the term of the loan. Queensland Country Credit Union also offers a 1 year fixed rate option which is only available for borrowers eligible for the First Home Owners Grant. There is a monthly service fee to consider.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.19% p.a.

4.97% p.a.

$5.00 monthly

$500

4.19% p.a.

4.97% p.a.

$5.00 monthly

$500


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Variable Rate Home Loans Variable Rate Home Loans

Queensland Country Credit Union’s variable loans are available from a minimum of $25,000 and you can borrow up to 95% of the property’s value if you’re an owner occupier, and up to 90% of the property’s value if you’re an investor. When you choose a variable loan from Queensland Country Credit Union, you’ll have the freedom to make extra repayments whenever you like and without charge and there is a 100% offset account available to owner occupiers. While there is a redraw facility available to dip back into those extra repayments at a later date, you’ll be charged a fee every time you use this feature in addition to the monthly service fee. 

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.14% p.a.

5.23% p.a.

$5.00 monthly

$500

5.14% p.a.

5.23% p.a.

$5.00 monthly

$500


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Variable Package Home Loan Variable Package Home Loan

If you prefer a package home loan, Queensland Country Credit Union has two on offer including the Ultimate Home Loan Package available from $5,000 and the Discount Ultimate Home Loan Package available on loans starting from $150,000 (up to a maximum $5,000,000). For an annual fee, you’ll have access to a range of package features including an extra repayment facility, offset account (for owner occupiers only) and your choice of principal and interest or interest only payment options. You may also be eligible for a number of benefits including discounts on your home loan and home and contents insurance and waived fees on our credit card and transaction account.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.34% p.a.

4.68% p.a.

$350.00 yearly

$0

4.44% p.a.

4.78% p.a.

$350.00 yearly

$0

4.24% p.a.

4.58% p.a.

$350.00 yearly

$0

3.99% p.a.

4.35% p.a.

$350.00 yearly

$0

4.64% p.a.

4.98% p.a.

$350.00 yearly

$0

4.64% p.a.

4.98% p.a.

$350.00 yearly

$0


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Queensland Country Credit Union home loan features in a glance

Offset accountOffset account

Reducing your interest payments is easy with an offset account available to owner occupiers on the fixed, variable and package home loan options.

Extra repaymentsExtra repayments

When you choose a variable or package home loan from Queensland Country Credit Union, you’ll be able to make fee free extra repayments whenever you have any leftover funds. You won’t miss out on this great feature if you opt for a fixed rate either because Queensland Country Credit Union’s fixed home loans allow extra repayments of up to $10,000 per year.

Automatic repaymentsAutomatic repayments

If you’re after a convenient way to make your home loan repayments, Queensland Country Credit Union allows you to make automatic repayment via direct debit. It’s relatively easy to set up and you will continually need to check there is enough money in your nominated account to cover your payment.

Package benefitsPackage benefits

From discounts on your home loan and home and contents insurance to waived fees on your credit card and transaction account, Queensland Country Credit Union’s package home loan options are perfect for those with an extensive range of financial products.

How are Queensland Country Credit Union home loans rated?

Good, bad or indifferent? We asked hundreds of real Queensland Country Credit Union customers to rate their home loans on everything from price and features to customer service and convenience.

Queensland Country Credit Union home loans

Overall 9.4*

Price

Features

Customer service

Convenience

Trust

13 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Queensland Country Credit Union home loan reviews Recent Queensland Country Credit Union home loan reviews

Queensland Country Credit Union

Queensland Country Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Great premiums and terrific customer service.

Love this bank as the banker are very helpful, reliable, honest, and they remember your name.

Full review

Love this bank as the banker are very helpful, reliable, honest, and they remember your name.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Kristi (QLD), reviewed 12 months ago

Queensland Country Credit Union

Queensland Country Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Very good, would recommend to anyone

Very friendly and obliging staff, who go out of their way to help you get the most out of your banking.

Full review

Very friendly and obliging staff, who go out of their way to help you get the most out of your banking.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Patricia (QLD), reviewed about 1 year ago

Queensland Country Credit Union

Queensland Country Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   8 / 10

Acceptable premiums and excellent customer focus

Personal service easily accessed in QLD. Personable staff. Good rates and no hard sell.

Full review

Personal service easily accessed in QLD. Personable staff. Good rates and no hard sell.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Rod (QLD), reviewed over 1 year ago

Queensland Country Credit Union

Queensland Country Credit Union Ultimate Home Loan (Owner Occupier) (Package) home loan review

Overall rating   10 / 10

Great Customer Service

What great service you get. They go out of their way to please. Nothing is a problem to them. They offer solutions to any problem. Their Health Fund is the same.

Full review

What great service you get. They go out of their way to please. Nothing is a problem to them. They offer solutions to any problem. Their Health Fund is the same.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Justine (QLD), reviewed almost 2 years ago

Queensland Country Credit Union

Queensland Country Credit Union home loan review

Overall rating   10 / 10

Friendly, efficient customer service

I like Queensland Country Credit Union because of the competitive rates they supply and the services provided.

Full review

I like Queensland Country Credit Union because of the competitive rates they supply and the services provided.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Desleigh (QLD), reviewed about 2 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Queensland Country Credit Union home loan? What do you need to apply for a Queensland Country Credit Union home loan?

Here you’ll find a list of documents you may need to provide to successfully complete your application for a home loan with Queensland Country Credit Union: 

  • Personal ID including birth certificate, passport, drivers licence etc.
  • Income details i.e. payslips, income tax returns and assessments. Self employed applicants will need to provide their most recent tax returns as well as profit and loss statements and balance sheets for the past two years.
  • Account statements
  • Details of  any assets you may own including property, vehicles, life insurance etc.
  • Records of any liabilities you may have such as credit card statements or statements for existing loans.
Have you already started to purchase a property? You may be asked to provide Queensland Country Credit Union with the following:
  • Copy of the Contract of Sale
  • Copy of your receipt for deposit paid
  • Copy of plans and specifications
  • Building quotes
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