Featuring our lowest fixed rate, the Ultimate Home Loan Package (Fixed) locks in an interest rate for up to three years and bundles together a range of discounts and benefits.
Features
- Your choice to arrange payments weekly, fortnightly or monthly
- Make extra repayments up to an extra $10,000 per year in addition to your contracted repayments
- 100% mortgage offset account
- Redraw facility available
Package benefits
- Multiple home loans are available under the one package fee (including variable rates)
- No establishment, switch or mortgage document fees (save $500 per loan)
- No monthly loan maintenance fee (save $10 a month per loan)
- 10% discount on home and contents insurance for the first year
- No annual fee on Visa credit card (save $39 a year)
- No annual fee on Visa My Rewards credit card (save $89 a year)
- No establishment fee on personal loans (save $120)
- No monthly loan maintenance fees on personal loans
Rates & Fees
| Product | Principal and Interest | Interest only |
|---|---|---|
| Special 2 Year Fixed Package Rate (<80%)³ | 4.99 Interest rate 5.91*^1Comparison rate | 4.99 Interest rate 5.90*^1Comparison rate |
| Special 2 Year Fixed Package Rate (80.01% to 95%)⁴ | 5.19 Interest rate 6.11*^1Comparison rate | 5.19 Interest rate 6.10*^1Comparison rate |
| 1 Year Fixed Package (<80%)⁵ | 5.29 Interest rate 7.58*^1Comparison rate | 5.49 Interest rate 7.60*^1Comparison rate |
| 2 Year Fixed Package (<80%)⁵ | 5.19 Interest rate 7.35*^1Comparison rate | 5.39 Interest rate 7.39*^1Comparison rate |
| 3 Year Fixed Package (<80%)⁵ | 5.19 Interest rate 7.15*^1Comparison rate | 5.39 Interest rate 7.21*^1Comparison rate |
| 1 Year Fixed Package (80.01% to 95%)⁵ | 5.49 Interest rate 7.60*^1Comparison rate | 5.69 Interest rate 7.62*^1Comparison rate |
| 2 Year Fixed Package (80.01% to 95%)⁵ | 5.39 Interest rate 7.39*^1Comparison rate | 5.59 Interest rate 7.43*^1Comparison rate |
| 3 Year Fixed Package (80.01% to 95%)⁵ | 5.39 Interest rate 7.21*^1Comparison rate | 5.59 Interest rate 7.26*^1Comparison rate |
| Fees | |
|---|---|
| Annual package fee | $395 |
| Establishment fee | Fee waived under package |
| Monthly fee | Fee waived under package |
| Document fee | Fee waived under package |
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.
Fixed Rate Loan Expiry: Unless otherwise stated all fixed rate loans revert to the relevant Standard Variable Rate (Principal & Interest or Interest Only, as applicable) upon expiry of the fixed rate period.
Lenders Mortgage Insurance (LMI): Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.
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.
^ To be eligible for the Ultimate Home Loan Package you must have a total loan amount of at least $100,000.
* For new lending of at least $100,000 only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.
1 Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
3 Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.3% discount off the Standard Variable Rate
4 Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.1% discount off the Standard Variable Rate
5 Following fixed rate expiry, the loan will revert to a variable interest rate with a 0.5% discount off the Standard Variable Rate
WARNING: These comparison rates apply only to the example or 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. A comparison rate schedule is available at any of our branches.
Before acquiring the product, the information above should be read in conjunction with the following documents to determine if the 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