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Step Ahead Home Loans

Introducing one of the best home and investment loans in the market! Our Step Ahead Home Loan has been awarded a 5 star rating by CANNEX and is packed with features that could save you thousands of dollars. In fact, the more you borrow, the lower the rate and that really adds up over the lifetime of the loan.

Get a Step Ahead Home Loan with all these great benefits:
  • $0 annual package fee
  • $0 account keeping fee
  • $0 establishment fee
  • $0 redraw fee
  • $0 early repayment fee
  • 100% offset account available (for Principal and interest loans only)

$250k rate:
 5.03% pa

Comparison rate:

 5.03% pa#

Apply now

So you'll save money year, after year, after year - you could even pay your variable rate home loan off sooner.

More benefits to maximise your banking:

As part of your Step Ahead Home Loan you also benefit from:

  • $100 free monthly transaction allowance to use ATMs, and EFTPOS etc.^
  • Offset account available (Principal & interest loans only) - which could save you thousands in home loan interest
  • FREE first meeting with one of our Financial Planners*
Current interest rates

With our Step Ahead Home Loans, you get rewarded with package interest rates for loans starting at just $150,000. The more you borrow, the lower the rate!

Loan Amount Interest Rate Comparison Rate#
$150,000 - $249,999.99  5.13% pa  5.13% pa
$250,000 - $499,999.99  5.03% pa  5.03% pa
$500,000 - $749,999.99  5.03% pa  5.03% pa
$750,000 - $999,999.99  4.98% pa  4.98% pa
$1 million or more  4.93% pa  4.93% pa

Rates current as at 14 April 2014

We beat the banks!

See our weekly report below which shows you how our Step Ahead Home Loan compares to the banks.

  Compare us today
Institution Product advertised rate $250,000 Interest Rate p.a. Comparison Rate p.a.# Annual Package fee
Qantas Credit Union Step Ahead Home Loans  5.03% pa  5.03% pa $0 
Westpac Westpac Premier Advantage Home Loan Package  5.08% pa  5.46% pa $395 
CBA Commonwealth Wealth Home Loan Package  5.10% pa  5.47% pa $375 
ANZ ANZ Breakfree Home Loan Package  5.08% pa  5.44% pa $375 
NAB NAB Choice Home Loan Package  5.08% pa  5.46% pa $395 
^Comparison rates assume a loan of $250k over 25 years. Source:
Rates current at: 14 April 2014
Calculate your repayments

Use our calculators to see what your repayments will be.

Compare home loans

Use this home loan comparison calculator to compare & contrast variable rate home loans from different lenders. Find out how much you can save by switching to Qantas Credit Union's low rate home loans.

Find out more about our Home Loans
Apply now

Both Members and non-Members can apply for a low variable rate loan using the same online form.

Apply for a Step Ahead Home Loan with QSCU

Normal lending criteria and fees and charges apply. Terms and conditions apply and are available upon request. #WARNING: Comparison rates apply 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. Comparison rate assumes a loan of $250,000 over 25 years and a monthly repayment frequency. Our comparison rate schedule is available here. ^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000. *All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367. You should consider the relevant Product Disclosure Statement (PDS) before investing in a product. Please refer to the Qantas Credit UnionFinancial Services Guide (FSG) andClearView's Financial Services Guide for more information. Qantas Credit Union is a trading name of Qantas Staff Credit Union Limited ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305