Our Line of Credit is an overdraft facility that provides you with a continual source of credit whenever needed.
Its flexibility allows you to draw up to your credit limit at any time and pay off as much or as little as you like (provided it remains under the credit limit).
Features
- Have your pay deposited directly into the Line of Credit to reduce any interest charged and access your funds like a regular transaction account
- Borrow up to 80% of the value of your property
- No set repayments (interest only repayments are required if you reach your limit)
- Continual, cost effective credit facility
- 24/7 internet banking, and mobile app access
- Visa Debit card access, with your choice of card design
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Rates & Fees
| Product | Interest Rate |
|---|---|
| Line of Credit | 8.44 Interest rate |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Annual fee | $100 |
The fine print
Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.
Standard Residential Security: All residential investment loan interest rates quoted apply only where standard residential security is provided, please refer to a Queensland Country Bank Specialist for further information.
Loan to Value Ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value.
Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Services Guide; Target Market Determination; Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Investment Loan Interest Rate Schedule: and Credit Guide.
Rates and fees effective: 27th August 2025