Switch your home loan... You ll be wrapped with $500 for switching!

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1 Switch your home loan... You ll be wrapped with $500 for switching!

2 Contents. Switch your home loan 03 Compare us to the banks and save! 04 Great interest rates 04 How to switch 07 We ve got your insurance covered 08 For more information 09 Notes 10 Switch your home loan. Switch your home loan and receive $500! Switching your home loan is easy - we do all the running around for you! Plus when you switch to either our Step Ahead or Fixed Rate Home Loan you ll receive $500 paid directly into your Qantas Credit Union account. Simply apply for a new or refinanced Step Ahead Home Loan or Fixed Rate Home Loan of $250,000 or more by 31 May and settle by 31 July to receive your $500 cash reward #. Move to a better deal today. Recently, MOZO a consumer comparison website for financial services, compared our Step Ahead Home Loan with the big 4 banks packaged home loans. They found on average, over the past 3 years, our Step Ahead Home Loan had better rates and lower fees than the banks*. Plus, Qantas Credit Union s Step Ahead Home Loan has been awarded a 5 star rating by CANNEX for Outstanding Value. So you know you re getting a great deal. $0 annual package fee $0 account keeping fee $0 establishment fee $0 redraw fee $0 early repayment fee 100% offset account available (for principal & interest loans) # Normal lending criteria and fees and charges apply. Terms and conditions apply and are available upon request. $500 payable per loan and paid at settlement (capped at $1000 per Member). Not available for existing Qantas Credit Union loans (including switching and variations). This offer is only available on our Step Ahead and Fixed Rate loans. Split and joint loans count as one loan. Visit qantascu.com.au/switchpromotion for full terms and conditions. Loans subject to approval. *Source Mozo.com. In every month since January 2010, the comparison rate for a $250,000 Qantas Credit Union Step Ahead Home Loan was lower than the average of the comparison rates for packaged home loan products for the same loan amount from the big four banks (CBA, NAB, Westpac and ANZ). Refer to our website for full details about the comparison. 2 3

3 Compare us to the banks and save! Institution* nab ANZ CBA Westpac Qantas Credit Union Package Choice Package Breakfree Package Wealth Package Premier Advantage Package Step Ahead Home Loan Advertised rate for loan of $250, %p.a. 5.23%p.a. 5.10%p.a. 5.08%p.a. 5.03%p.a. Comparison rate** 5.46%p.a. 5.58%p.a. 5.47%p.a. 5.46%p.a. 5.03%p.a. Annual fee for package $395 $375 $375 $395 $0 Great interest rates: With a Step Ahead Home Loan, you ll be rewarded with a package interest rate for a loan starting at just $150,000. And the more you borrow, the lower the rate as you can see in the table below. For our current fixed rates please visit our website. Loan amount Interest rate Comparison rates** $150,000 - $249, %p.a. 5.13%p.a. Be rewarded: At Qantas Credit Union, we want to ensure you get a great deal more for your banking and so if you switch your home loan you ll be rewarded with: $100 free monthly transaction allowance to use at ATMs, and EFTPOS etc.^ Plus when you switch you ll receive $500 paid directly into your Qantas Credit Union account! $250,000 - $499, %p.a. 5.03%p.a. $500,000 - $749, %p.a. 5.03%p.a. $750,000 - $999, %p.a. 4.98%p.a. $1 Million or more 4.93%p.a. 4.93%p.a. *Source of competitor rates: mozo.com.au ** Comparison rates assume a loan of $150,000 over 25 years with monthly repayments. WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison schedule is available on our website. ^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000. Tables show selected products only and other products may be cheaper. Rates are current as of 26 August Loans are subject to approval. Normal lending criteria, terms and conditions and fees and charges apply. For current rates or more information call us on or visit qantascu.com.au. 4 5

4 How to switch. At Qantas Credit Union we make it easy for you to get a great deal on your home loan - and the great thing about switching is that you never have to talk to your bank again. We do all the running around for you! Anthony & Julie Graetz Members since 1992 Our home loan wasn t stressful, it was easy Apply - complete our easy home loan application form available online, download a form online or call us on and send us your pay-slips and other documents. Choose your Qantas Credit Union home loan - once we ve received your application we ll call you to talk to you about the best home loan to suit your needs and answer any questions you may have. Sign - we ll arrange for a home valuation, process your approval and prepare documents for you to review and sign. Relax - all we need from your current home lender is a discharge authority form and the rest will be arranged by us, so you can relax. When Julie and Anthony Graetz were buying and selling a house, the whole process went without a hitch. It was a really personal, one-on-one service and we were always kept in the loop. Qantas Credit Union arranged the schedule of payments and so everything was quick and efficient and we never worried about deadlines or penalties. 6 7

5 We ve got your insurance covered. Insurance is about security and nothing is more important than protecting your family s home and possessions. Allianz Home Building and Contents Insurance covers your home and contents against loss or damage caused by a range of events including fire, theft, vandalism and storm damage. And right now you can take advantage of FREE* building insurance cover for up to 90 days, during your settlement period, when you purchase an Allianz Home Building Insurance policy. Allianz also offers Consumer Credit Insurance which can help provide you with the peace of mind that if an unfortunate event occurs, (such as your death, disability or involuntary unemployment), your loan repayments will be taken care of. Michelle Naguib Assistant Manager Lending, Sydney Head Office For more information or to apply To apply for a home or investment loan, simply complete an application available by: Phone Call us on Branch Online Speak with one of our lending specialists in branch Apply online at qantascu.com.au General insurance products are underwritten by Allianz Australia Insurance Limited (Allianz) ABN AFS Licence No: Disability and Involuntary Unemployment covers of Consumer Credit Insurance are underwritten by Allianz. The Death cover of Consumer Credit Insurance is underwritten by Allianz Australia Life Insurance Limited ABN AFS Licence No (Allianz Life). Allianz acts as Allianz Life s agent in offering and administering the Death cover. Qantas Staff Credit Union Limited trading as Qantas Credit Union ABN arranges these insurance products as agent of Allianz. We do not provide any advice based on any consideration of your objectives, financial situations or needs. Terms and conditions apply. Before making a decision about these insurance policies, please refer to the relevant Product Disclosure Statement available by calling or see our website If you purchase home, content or consumer credit insurance policies, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product. *Please see over for terms and conditions of the free building insurance offer. 8 9

6 Notes

7 Switch your home loan... Call qantascu.com.au Qantas Staff Credit Union Limited trading as Qantas Credit Union Locked Bag 6747 Hurstville BC NSW 1481 ABN AFSL/Australian Credit Licence *Free Building Insurance Offer Terms and Conditions. This special offer is available on approval of a home loan and may only be used in conjunction with the purchase of a residential home or residential investment property. This insurance is subject to normal underwriting terms and is offered subject to your eligibility for insurance cover. Please note that this offer does not provide automatic insurance cover. This offer is available to customers in all States & territories of Australia Insurable interest rules, regulations and interpretations differ from State to State. Please seek independent advice to ensure that you are adequately covered at the appropriate time. The free building insurance cover is subject to you purchasing a 12 month Allianz Home Insurance Policy. The expiry date in the policy schedule will be the settlement date nominated by you or the 90th day from the start of the free cover period, whichever occurs first. Your free building insurance cover begins when the insurance policy is activated and terminates on the expiry date shown in the policy schedule. The twelve (12) month period of insurance under your Allianz Home Insurance Policy will commence on the date after the expiry date of the free cover period. Note that, once an Allianz Home Insurance Policy is purchased, we cannot extend the expiry date of your free building insurance cover or defer the commencement date of your twelve (12) month Allianz Home Insurance Policy. An Allianz Consultant will confirm whether you are eligible for the free building insurance cover. An Allianz Consultant will advise you of your Duty of Disclosure and Allianz s Privacy Policy. This free building insurance offer may be withdrawn by Allianz at any time, subject to 30 days prior notice. Such notice to be provided in a newspaper advertisement in The Australian. Allianz Australia Insurance Limited (Allianz) ABN AFS Licence No: of 2 Market Street, Sydney NSW 2000 is the issuer of this insurance QCU /13