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Standard Variable Home Loan (Principal and Interest)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • 100% full offset account
  • Suitable for low deposits
  • Extra repayments + redraw services
  • Repayments may decrease if RBA cuts rates
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates
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Fees and Features

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$25k - $5m
Total repayments
Total repayments
$427,200
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
0 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $8
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable States
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$500.00
Application fee
Application fee
$250
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$250
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$450
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$25k - $5m
Total repayments
Total repayments
$427,200
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
0 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $8
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable States
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$500.00
Application fee
Application fee
$250
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$250
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$450
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

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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