Owner occupied and Investment home loans are available to shareholding members of the Credit Union for home construction, purchase, refinancing, or to purchase vacant land.

QPCU Members can choose from a wide selection of home loans tailored to meet your financial needs and your lifestyle. These options include both variable and fixed rate home loans, as well as our FlexiLoan Mortgage Secured Overdraft.

At QPCU we aim to offer long term true value with your home loan, with competitive interest rates, no penalties for additional repayments*, flexible features and no monthly account keeping fees.

QPCU Home Loans share great money saving features like our FREE Redraw facility#. Any extra repayments that are made into the loan can be accessed through this redraw facility at no cost.

The extra repayments reduce the loan balance, therefore reducing the amount of interest charged at the end of the month. Better still, you do not incur tax on the additional funds as you would in an everyday savings account or term deposit.

To find out how a QPCU Home Loan can benefit you, call a QPCU Personal Lender on 131 468 during business hours or email your enquiry to loans@qpcu.org.au.

With real benefits and real savings, we offer members much more than just a great rate with our home loans - helping you to get home free much sooner...

Whether you're buying a new family home, investing in rental property, or just looking to change your current loan, having the right loan can make all the difference. With so many different loan options on the market it can be confusing to decide which is the best for you. QPCU have made it easy to choose the right loan - because all our loans come with in-built benefits designed to help you make the most of your loan and your savings.

Variable or Fixed Rate Loans

Variable rate loans are flexible and often come with many different options, such as redraw facilities and the option of splitting your loan. However interest rates can fluctuate, with your interest rate and repayment varying depending on market conditions. Fixed rate home loans offer a good option for those who want the security of knowing exactly what their regular repayments will be. However, many fixed home loans don't allow you to make extra (or over) payments without being penalised. Others might just allow a single once off over-payment. Traditionally, fixed loans do not have added benefits such as redraw facilities, and while you are protected if interest rates increase, you don't benefit from any interest rate falls.

The QPCU Difference

QPCU fixed rate home loans offer an excellent alternative as they provide members the same flexibility as a variable loan, with added peace of mind. For instance, both QPCU fixed term and variable rate loans have a free online redraw facility, and no penalty for extra payments. Paying any additional savings into your loan reduces the amount on which interest is calculated. Leaving these funds in your loan can reduce the term of the loan. Better still, you don't incur income tax on interest as you would on a savings account or term deposit. And like all QPCU loans, there are no monthly fees.

We're committed to helping our members choose a loan that suits their needs, while providing a friendly and efficient service. You can help ensure that your loan is processed without delay by completing each section of the application, signing it, and including all the required documents with your application.

Call QPCU on 131 468 for more details.