Fixed Loans
But a Queenslanders Credit Union fixed rate home loan ensures that your loan repayments won't.
A Queenslanders fixed rate home loan provides you with the ability to lock-in your interest rate for up to 5 years. By locking-in a rate you’ll have the peace of mind that comes from knowing that your loan repayments won’t rise - even if official interest rates do.
Our Fixed Rate Home Loans are free of any ongoing monthly fees if the property is your principal place of residence and you’ll be free to make additional payments - though conditions and limits do apply.
Accessing any additional payments is easy too with a built-in redraw facility. A redraw facility on a fixed rate home loan - now that’s something you don’t see everyday! Check out our great rates on fixed loans below, and compare them with our most competitive variable rate home loans:
Loan Type | Property Type | Interest Rate | Comparison Rate 1 |
| Fixed Rate Loan – 1 yr2 | Owner Occupied or Investment Property | 5.99 % | 6.38 % |
| Fixed Rate Loan – 2 yrs2 | Owner Occupied or Investment Property | 6.59 % | 6.47 % |
| Fixed Rate Loan – 3 yrs2 | Owner Occupied or Investment Property | 6.49 % | 6.46 % |
| Fixed Rate Loan – 5 yrs2 | Owner Occupied or Investment Property | 6.99 % | 6.70 % |
1 Comparison rate based on a loan of $150,000 over a term of 25 years with monthly repayments.
2 Fixed rates for loans of $250,000 or more are negotiable. |
Apply online now by clicking the button below, or simply pick up an application from your local Queenslanders Credit Union branch, or phone 1800 QLDERS. It's that easy!
Queenslanders Credit Union Ltd ABN 85 087 651 063. Terms, conditions and normal lending criteria apply. Fees and charges may apply. Full details including interest rates are available on request. Comparison rate based on a loan of $150,000 over 25 years, secured. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A full comparison rate schedule is available on request at any of our branches or on our website at http://www.queenslanders.com.au/.
To ensure you are fully protected, Queenslanders can also arrange a quote on your home and its contents.Through our preferred insurance providers, CGU, you get:
Competitively priced cover;
A variety of policy options - including gap insurance;
Multiple policy discounts;
Easy claims service;
The option to pay your premium monthly – at no extra costs; and
Access to a Queenslanders Insurance Guru any time you want to make changes to your cover.
Loan protection insurance is available with all Queenslanders Credit Union Home Loans. Premiums are affordable and can be built into your loan repayments. Ask your Loan Consultant to show you just how affordable peace of mind is.
Queenslanders Credit Union Ltd ABN 85 087 651 063 acts under its own Australian Financial Services Licence and pursuant to an agreement with the insurer. This insurance product is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291 (CGU). The insurer of the Life and Trauma cover is National Mutual Life Association of Australasia Ltd ABN 72 004 020 437 AFSL No. 234 649 (NMLA). CGU administers the Life and Trauma cover on behalf of NMLA and CGU’s liability under that policy is limited to the administration of that cover including the management of claims. A Product Disclosure Statement (PDS) is available from Queenslanders Credit Union by calling 1800 783 377 or visiting www.queenslanders.com.au. You should consider the PDS before making decisions about these products.