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Queensland Country Bank

Queensland Country Bank home loans

Queensland Country Credit Union (QCCU) is a Queensland-based credit union that was founded in 1971 as the Isa Mine Employees’ Credit Union Limited. Since then, QCCU has grown and expanded its membership, merging with other Queensland-based credit unions such as QCCU Australia and Queenslanders Credit Union.

Like other credit unions, QCCU isn’t beholden to any shareholders, which means profits can be passed back to members through competitive interest rates.

QCCU aims to offer an alternative to the big four banks and provides a range of everyday banking products, insurance, credit cards and home loans.

QCCU Home Loan Calculator  

Interested in a QCCU home loan? RateCity has a suite of calculators that can show you what your repayments would be and how QCCU compares to its competitors. Simply plug in your borrowing amount below.

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Mark Bristow avatar
Mark Bristow
Home & Personal Finance Editor
Content updated18 Oct, 2023
Product data updated

Important disclosure

Why choose Queensland Country Bank

Benefits

  • Customer-owned
  • Can package home loan with other financial services

Drawbacks

  • Branches limited to Queensland only
  • Some fees and charges apply

Queensland Country Bank Home Loans

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Australian Credit Licence 244533Fees & charges apply

8.74%

8.88%

$2,875

Standard Variable Rate Home Loan
  • Owner Occupied
  • Variable
  • 5.01% min deposit
  • P&I

Australian Credit Licence 244533Fees & charges apply

Australian Credit Licence 244533Fees & charges apply

6.19%

6.54%

$2,296

Ultimate Home Loan Package
  • Owner Occupied
  • Variable
  • 5% min deposit
  • P&I

Australian Credit Licence 244533Fees & charges apply

Australian Credit Licence 244533Fees & charges apply

5.99%

6.33%

$1,747

Ultimate Home Loan Package
  • Owner Occupied
  • Variable
  • 20% min deposit
  • Interest Only

Australian Credit Licence 244533Fees & charges apply

Australian Credit Licence 244533Fees & charges apply

5.99%

6.34%

$2,253

Ultimate Home Loan Package
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 244533Fees & charges apply

Australian Credit Licence 244533Fees & charges apply

5.59%

6.45%

$1,630

Fixed Rate Home Loan
  • Owner Occupied
  • Fixed undefined year
  • 20% min deposit
  • Interest Only

Australian Credit Licence 244533Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.59%

Total interest payable

$0

Total loan repayments

$0

Queensland Country Credit Union customer service

QCCU home loan customers can get in touch with the bank in numerous ways. Borrowers living in Queensland can seek face-to-face advice in one of the state’s numerous branches and member service centres. Alternatively, customers can call QCCU’s customer service centre to speak to an adviser. Enquiries can be made online via the website or email. QCCU also has a mobile app and offers online banking services 24/7. No matter where they are located in Australia, customers can access their funds using Westpac’s free ATM network. 

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

QCCU offers several ways for customers to apply for a home loan. Applications can be completed in branch with the help of the lending team, or alternatively customers can contact the customer service centre and be walked through the application process over the phone. Customers can organise an appointment with a mobile lender to visit their home and take them through the application proves in person. Before customers apply for a home loan it’s recommended that they calculate how much they can afford to borrow before making any commitments. To support their application, QCCU home loan customers may be required to provide the following documentation:

  • Personal identification
  • Personal income details
  • Details of current debts and assets

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.