Queensland Country Bank
Home Loan-Package
Queensland Country Bank · residential mortgages
Provider last updated this product 2026-09-30.
Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.
As published by the lender
- Headline rates - from 5.99% to 8.59%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.19% | 6.20% | INVESTMENT | INTEREST ONLY | - | up to 80% | calculated daily, paid monthly |
| Special Variable Package Rate (<80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 5.99% | 6.00% | OWNER OCCUPIED | INTEREST ONLY | - | up to 80% | calculated daily, paid monthly |
| Special Variable Package Rate (<80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 6.19% | 6.20% | INVESTMENT | PRINCIPAL AND INTEREST | - | up to 80% | calculated daily, paid monthly |
| Special Variable Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 5.99% | 6.00% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | up to 80% | calculated daily, paid monthly |
| Special Variable Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 6.39% | 6.40% | INVESTMENT | INTEREST ONLY | - | 80% - 95% | calculated daily, paid monthly |
| Special Variable Package Rate (>80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 6.19% | 6.20% | OWNER OCCUPIED | INTEREST ONLY | - | 80% - 95% | calculated daily, paid monthly |
| Special Variable Package Rate (>80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 6.39% | 6.40% | INVESTMENT | PRINCIPAL AND INTEREST | - | 80% - 95% | calculated daily, paid monthly |
| Special Variable Package Rate (>80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 6.19% | 6.20% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | 80% - 95% | calculated daily, paid monthly |
| Special Variable Package Rate (>80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 8.59% | 8.66% | UNCONSTRAINED | INTEREST ONLY | - | - | calculated daily, paid monthly |
| Standard Ultimate Home Loan Package - Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
| VARIABLE | 8.24% | 8.56% | UNCONSTRAINED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Standard Ultimate Home Loan Package. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Package Fee | PERIODIC | $395 | Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged. |
| Lenders Mortgage Insurance | OTHER | - | Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%. |
| Mortgage Settlement Fee | EVENT | $450 | Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds |
| In Branch Redraw Fee | EVENT | $8 | Redraw Fee Applies for Assisted Transactions |
| Online Redraw Fee | EVENT | $0 | $0 Redraw Fee Applies for Online Transactions |
| Val Fee - PropertyHub | UPFRONT | $50 | - |
| Other Credit Fees | OTHER | - | Refer to our Fees and Charges brochure for information on other fees and charged which may apply. |
| Arrears Letter Fee - Second Arrears Letter | EVENT | $40 | - |
| Arrears Letter Fee - Default Notice prior to Enforcement | EVENT | $70 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-14 | 5.99% | 6.35% |
| 2026-09-17 | 2026-09-30 (current) | 5.99% | 6.00% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Discounted variable or fixed interest rate owner-occupied loans
- Payments can be arranged weekly, fortnightly or monthly.
- Loan Terms up to 30 Years.
- Split Loan Available. Multiple owner-occupied and residential investment home loans are available under the one package fee
Who can apply
- min age - 18
- natural person
- residency status - Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia.
Limits
- max lvr - 95.00
- min limit - 100000.00Available where total borrowings from the Bank are $100,000 and over.
- min lvr - 0.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T18:00:23.5981881Z · Product ID: 15