Our Fixed Rate Home Loan gives you certainty of knowing exactly what your regular repayments will be for a period of one, two or three years.
It protects you from fluctuations in interest rates and ensures you can set a budget knowing that your repayments will be locked-in for the duration of your fixed term.
Features
- Your choice to arrange payments weekly, fortnightly or monthly
- 100% mortgage offset account
- Redraw facility available
- Ability to make additional repayments not exceeding $10,000 per year in addition to your contracted repayments
- Available for interest only and interest in advance payments for approved applicants #
- Certainty of your interest rate# for a period of one, two or three years
- Safeguard against interest rate rises for the fixed period
- Available for a range of purposes, including purchase of an existing house, vacant land, refinance and other eligible purposes
- Loan terms of up to 30 years
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Rates & Fees
| New Loan Rates | Principal and Interest | Interest Only |
|---|---|---|
| 1 Year Fixed Rate (LVR <80%)⁶ | 5.44 Interest rate 8.07*1Comparison rate | 5.64 Interest rate 8.09*1Comparison rate |
| 2 Year Fixed Rate (LVR <80%)⁶ | 5.34 Interest rate 7.78*1Comparison rate | 5.54 Interest rate 7.82*1Comparison rate |
| 3 Year Fixed Rate (LVR <80%)⁶ | 5.34 Interest rate 7.52*1Comparison rate | 5.54 Interest rate 7.59*1Comparison rate |
| 1 Year Fixed Rate (LVR 80.01% to 95%)⁶ | 5.64 Interest rate 8.09*1Comparison rate | 5.84 Interest rate 8.12*1Comparison rate |
| 2 Year Fixed Rate (LVR 80.01% to 95%)⁶ | 5.54 Interest rate 7.82*1Comparison rate | 5.74 Interest rate 7.86*1Comparison rate |
| 3 Year Fixed Rate (LVR 80.01% to 95%)⁶ | 5.54 Interest rate 7.58*1Comparison rate | 5.74 Interest rate 7.65*1Comparison rate |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10 / Per Month |
The fine print
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 Owner Occupied home 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.
* 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.
6 Following fixed rate expiry, the loan will revert to the Standard Variable Rate.
# For more information on our home loan interest rates, please refer to the Loan Interest Rate Schedule below.
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; Loan Interest Rate Schedule; and Credit Guide.
Rates and fees effective: 21st August 2025