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Choose your Home Loan

  Honeymoon Home Loan Low Cost Home Loan Package Qantas Points Home Loan Package

Fixed Rate Loan

Variable Rate
Home Loan
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Interest Rate  4.49% pa   (based on $250k)  4.74% pa (based on $250k)  4.89% pa  4.49% pa^  (3 year rate)  5.08% pa
Comparison Rate  4.70% pa^ (based on $250k)  4.74% pa^ (based on $250k)  4.89% pa^  4.67% pa(3 year rate)  5.12% pa^
Product Investment or owner occupier Investment or owner occupier Investment or owner occupier Investment or owner occupier Investment or owner occupier
Loan Type Variable Variable Variable Fixed Variable
Loan Term Up to 30 Years Up to 30 Years Up to 30 Years 1, 2, 3, 4 or 5 years Up to 30 Years
Interest-only options available
Minimum amount $150k $150k $150k $150k No minimum amount
Package fee $0 $0 $0 $0 $0
Account keeping fee $0 $0 $0 $0 $0
Establishment fee $0 $0 $0 $0 $600
Redraw fee $0 $0 $0 $0
Annual fee $0 $0 $0 $0 $0

100% offset available 

Borrowing Power (% of the property value)# 95% 95% 95% 95% 95%
Repayment options Weekly, Fortnightly Monthly* Weekly, Fortnightly Monthly* Weekly, Fortnightly Monthly* Weekly, Fortnightly Monthly* Weekly, Fortnightly Monthly*
Insurance 10% off Allianz Home & Contents Insurance1 10% off Allianz Home & Contents Insurance1 15% off Allianz Home & Contents Insurance1 A range of insurance options available A range of insurance options available
Earn Qantas Points~
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All rates current as of 21 April 2015

#With mortgage insurance if borrowing over 80%

*Only monthly repayment options available for interest only loans

1.This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL Licence No. 234 708. Qantas Staff Credit Union Limited ABN 53 087 650 557 (QSCU) acts as an agent for Allianz not as your agent. A Product Disclosure Statement (PDS) is available by calling 1300 747 747. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the PDS and Financial Services Guide (FSG) before deciding whether to acquire any product mentioned. We receive commission on these insurance products as a percentage of the premium paid for each policy. Ask us for more details. Discount applies to first year’s premium when purchased at time of funding. No other discounts apply. The discount may be subject to rounding.

2.Not available for existing Qantas Credit Union loans (including switching and variations). Interest only option not available on this offer. Discount applies for 2 years from funding. At the end of the discount term the rate reverts to the relevant tier of the Low Cost Home Loan Package, based on the original funded amount. This offer can be withdrawn by QCU at any time.

^ WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A loan of $150,000, a term of 25 years and a monthly repayment frequency have been used to calculate our comparison rate. See our comparison rate schedule on our website. Fixed interest rate based on a 5 year rate.

 ~Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued by Qantas Credit Union available here. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qantas Credit Union has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qantas Credit Union members who are not already a Qantas Frequent Flyer member and who apply here.

 

Normal lending criteria and fees and changes apply. Terms and conditions apply and are available on request.