Taking
out a home loan is one of life’s major financial decisions, so we make the load
easier by guiding you through the process.
Whether you’re a first home buyer,
refinancing, or an investor, Queenslanders have a home loan package tailored to
your specific requirements.
Are you eligible for the
First Home Buyers Grant? Home Action Save
money on your loan by letting your income work off the interest payments.
- Your income is paid directly into the loan and you pay your expenses from
the one account. What is left pays off your home loan faster.
- The equity
you build in your home can be used for other items such as home extensions, a
new car or a holiday.
- Simple, and you control when, where and how you
spend your money.
- Full transaction facilities including Visa Card, cheque
book, ATM and EFTPOS access, Phone/Net Banking and direct debit.
Easy
Living Home Loan The home loan without all the fees. The simple way
to save money. - Discounted introductory variable rate for first 12
months then reverts to our current standard variable rate.
- Additional
repayments can be made at any time.
- Free redraw option through Phone Banking.
- No
monthly account keeping fees.
- Easy repayments – automatically deducted
from your salary.
Fixed Rate Home Loan The
peace of mind home loan with no surprises. - Fixed rate for 2 to 3
years then renegotiated at end of term.
- Additional repayments can be made
at any time.
- Free redraw option through Phone Banking
- No monthly
account keeping fees.
- Easy repayments – automatically deducted from your
salary.
The Original Home Loan A home loan the way it
used to be…simple! - Low variable rate home loan
- No penalties
for extra repayment
- No ongoing monthly administration fee
- Repayment
period up to 30 years
- Repayments automatically deducted from your salary
-
Free redraw facility available through PhoneBanking
To
find out more information or for an application form contact one of our Service
Consultants on (07) 3218 7202 or 1800 177 278 (toll free) during business hours
or (07) 3218 7290 after hours. Or email your request by using the Contact
Us button on the left. 
Easy Living Home Loan The
home loan without all the fees. - Discounted introductory variable
rate for first 12 months then reverts to current standard investment variable
rate.
- Additional repayments can be made at any time.
- Free redraw
option through Phone Banking.
- No monthly account keeping fees.
- Easy
repayments – automatically deducted from your salary.
To
find out more information or for an application form contact one of our Service
Consultants on (07) 3218 7202 or 1800 177 278 (toll free) during business hours
or (07) 3218 7290 after hours. Or email your request by using the Contact
Us button on the left.
- Low deposit and no deposit loans. We can lend you 100% of the car value.
- Loans available for cars up to 12 years old.
- Terms up to 7 years
at very competitive interest rates.
- Low establishment fees which can
be added to the loan amount (no upfront payment).
- Easy repayment – automatically
deducted from your salary.
We’ll even find your car for you!
Just nominate what sort of car you want, what accessories you require and how
much you want to spend and Car
Search will do the rest for you – AT NO COST TO YOU! To
find out more information or for an application form contact one of our Service
Consultants on (07) 3218 7202 or 1800 177 278 (toll free) during business hours
or (07) 3218 7290 after hours. Or email your request by using the Contact
Us button on the left.
- We’ll lend you money for any worthwhile purpose – a holiday, renovations,
consolidation of credit card debt, furniture purchase or a new pool.
- Very
competitive interest rates.
- Low establishment fees which can be added
to the loan amount (no upfront payment).
- Easy repayment – automatically
deducted from your salary.
To find out more information
or for an application form contact one of our Service Consultants on (07) 3218
7202 or 1800 177 278 (toll free) during business hours or (07) 3218 7290 after
hours. Or email your request by using the Contact Us button on the left.
SmartCash is the fast, convenient and easy way to have ready access
to money when you need it, whether its an emergency, or if you just feel like
spoiling yourself. There’s no need to wait around for personal loans to be approved
when you require extra cash. With SmartCash you’ll also receive a
Queenslanders’ Visa Debit card so that you access your SmartCash facility
or you can use your own money without paying any interest. Visa is accepted at
more than 22 million merchants around the world and is your passport to shopping
in store, over the phone, or via the internet. And if you press the "Credit"
button when making an EFTPOS purchase, you’ll pay NO transaction fees. Our
SmartCash interest rate is lower than most credit cards – to view our SmartCash
Rates and Fees* click
here. How does SmartCash work? Let’s say you have a balance
of $2,000 in your Queenslanders Account and a SmartCash limit of $3,000.
That means you have access to $5,000 in total. A few days later you see
that big screen TV on sale for $3,500. You use your Visa Debit card to buy the
TV, using $2,000 of your own money from our account and $1,500 of your SmartCash.
Interest is then charged on the $1,500 SmartCash amount you’ve accessed
and this interest is debited from your account at the end of the month. A
week later, your pay is deposited into your account. Interest will cease to be
charged on your SmartCash facility if the outstanding balance has been
repaid and your account is again in credit. If you’re not using your SmartCash
facility, you’re not being charged any interest. To apply for Smartcash
click here, your application
will be assessed within 24 hours of being received at our office. *Interest
rates subject to change. Fees & charges may apply. Lending conditions apply.
Full terms & conditions available on request. Offer not available on existing
overdrafts.
| 
