Queenslanders Credit Union home loans

Queenslanders Credit Union
Queenslanders Credit Union's overall rating for home loans

(as rated by the Mozo community)

9.2 / 10

based on 189 reviews

Queenslanders Credit Union is a member owned alternative to traditional banking. 100% Australian owned, it’s been supplying local communities with competitive finance options for more than 50 years. Queenslanders Credit Union is personalised banking at its best, so check out the great home loans on offer below.

Best home loans 2015

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

What home loans do Queenslanders Credit Union offer?

Fixed Rate Home Loans Fixed Rate Home Loans

If you like the certainty of a set monthly budget, check out the fixed rate home loans on offer from Queenslanders Credit Union. You can borrow up to 95% of the property’s value, starting from $50,000, and you can choose to take out a principal and interest or interest only loan. In terms of features, you’ll have unlimited free extra repayments, a free redraw facility, plus the use of an offset account.

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

4.50% p.a.

4.79% p.a.

$0.00

$595

4.50% p.a.

4.62% p.a.

$0.00

$595

4.34% p.a.

4.46% p.a.

$0.00

$595

4.34% p.a.

4.63% p.a.

$0.00

$595

4.05% p.a.

4.50% p.a.

$0.00

$595

3.89% p.a.

4.34% p.a.

$0.00

$595


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Variable Rate Home Loans Variable Rate Home Loans

For a flexible home loan experience, take a look at Queenslanders Credit Union’s variable rate offers. Depending which offer you choose, you’ll be able to borrow up to 95% of the property’s value. Tailor your home loan to suit you, by making use of the flexible features, like unlimited extra repayments, a free redraw facility and an offset account. Keep in mind that you’ll pay an upfront application fee, plus if you choose the Ultimate Home Loan offer, a yearly service fee.

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

4.84% p.a.

4.88% p.a.

$0.00

$595

4.68% p.a.

4.72% p.a.

$0.00

$595

4.61% p.a.

4.75% p.a.

$100.00 yearly

$595

4.45% p.a.

4.59% p.a.

$100.00 yearly

$595

4.19% p.a.

4.33% p.a.

$100.00 yearly

$595

4.14% p.a.

4.28% p.a.

$100.00 yearly

$595

4.03% p.a.

4.17% p.a.

$100.00 yearly

$595

3.98% p.a.

4.12% p.a.

$100.00 yearly

$595


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Queenslanders Credit Union home loan features in a glance

Unlimited free extra repaymentsUnlimited free extra repayments

You can make unlimited free extra repayments on your Queenslanders Credit Union home loan. Just remember that if you pay off your entire fixed rate loan before the term is up, you’ll likely be hit with an early break fee.

Redraw facilityRedraw facility

Get a bit carried away with the extra repayments and find yourself needing some of that cash back? You can make use of the redraw facility, which is free over the phone or online. Keep in mind that if you want to redraw in a branch, there will be a fee.

Offset accountOffset account

Keep interest costs low by parking your savings in the included offset account.

How are Queenslanders Credit Union home loans rated?

Find out how Queenslanders Credit Union home loans stack up in terms of things like trust, convenience and customer service in our customer reviews section.

Queenslanders Credit Union home loans

Overall 9.2*

Price

Features

Customer service

Convenience

Trust

189 Reviews

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

Recent Queenslanders Credit Union home loan reviews Recent Queenslanders Credit Union home loan reviews

Queenslanders Credit Union

Queenslanders Credit Union home loan review

Overall rating   10 / 10

Exceptional Customer Service

Queenslanders provides exceptional customer service. They tailored our Home Loan using different components from their advertised loans to provide us a Loan we felt met our needs.

Full review

Queenslanders provides exceptional customer service. They tailored our Home Loan using different components from their advertised loans to provide us a Loan we felt met our needs.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Melissa (QLD), reviewed 9 months ago

Queenslanders Credit Union

Queenslanders Credit Union Fixed Rate Home Loan (Principal & Interest) home loan review

Overall rating   9 / 10

Tailors loans to client's needs

Great service with a loan tailored to our needs

Full review

Great service with a loan tailored to our needs

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Lance (NSW), reviewed 12 months ago

Queenslanders Credit Union

Queenslanders Credit Union Ultimate Home Loan (Principal & Interest) home loan review

Overall rating   9 / 10

Very personal service

Great service and the people really get to know you and your situation. They trust us and we trust them like we have never trusted a bank before. Only drawback is they have just the one branch.

Full review

Great service and the people really get to know you and your situation. They trust us and we trust them like we have never trusted a bank before. Only drawback is they have just the one branch.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Renaye (QLD), reviewed about 1 year ago

Queenslanders Credit Union

Queenslanders Credit Union Fixed Rate Home Loan (Principal & Interest) home loan review

Overall rating   8 / 10

Good customer service.

Probably the only con would be when it comes to physical banking the lack of branches or agencies, however because we do all our banking online this really isn't an issue.

Full review

Probably the only con would be when it comes to physical banking the lack of branches or agencies, however because we do all our banking online this really isn't an issue.

    Price   8 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Keith (QLD), reviewed about 1 year ago

Queenslanders Credit Union

Queenslanders Credit Union home loan review

Overall rating   7 / 10

Friendly service but does lack structure at times.

PROS - Personal service with friendly staff - Competitive loan rates. CONS - Mixed information provided at times.

Full review

PROS - Personal service with friendly staff - Competitive loan rates. CONS - Mixed information provided at times.

    Price   9 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   5 / 10

    Trust   6 / 10

Less

Ben (QLD), reviewed about 1 year 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 Queenslanders Credit Union home loan? What do you need to apply for a Queenslanders Credit Union home loan?

To apply for a Queenslanders Credit Union mortgage, you’ll need to have a few details on hand, including:

  • Driver’s licence
  • Current employer’s details
  • Income details (including your salary)
  • Details of assets, savings or investments
  • Repayment amounts and balances owing on any liabilities (such as a credit card)

And don’t forget that before you can secure your home loan, you’ll need to become a member, by filling in an application and paying a small membership fee.

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