Fixed interest term to safeguard against rate rises
100% mortgage offset for owner-occupiers
Make up to $10,000 in extra repayments each year

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
Make an appointment
Apply online
Contact us

The comments shown above are a selection of 5 star reviews about Queensland Country Bank home loans submitted by our Members on ProductReview.com.au. View all reviews.

Rates & Fees

New Loan Rates Principal and Interest Interest Only
1 Year Fixed Rate (LVR <80%)⁶ 5.64 Interest rate 8.09*1Comparison rate 5.84 Interest rate 8.12*1Comparison rate
2 Year Fixed Rate (LVR <80%)⁶ 5.54 Interest rate 7.82*1Comparison rate 5.74 Interest rate 7.86*1Comparison rate
3 Year Fixed Rate (LVR <80%)⁶ 5.54 Interest rate 7.58*1Comparison rate 5.74 Interest rate 7.65*1Comparison rate
1 Year Fixed Rate (LVR 80.01% to 95%)⁶ 5.84 Interest rate 8.12*1Comparison rate 6.04 Interest rate 8.14*1Comparison rate
2 Year Fixed Rate (LVR 80.01% to 95%)⁶ 5.74 Interest rate 7.86*1Comparison rate 5.94 Interest rate 7.90*1Comparison rate
3 Year Fixed Rate (LVR 80.01% to 95%)⁶ 5.74 Interest rate 7.64*1Comparison rate 5.94 Interest rate 7.70*1Comparison rate
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10 / Per Month

Interest rate from

5.54 Percent per annum

Comparison rate from

7.58 Percent per annum *1

Apply online
Compare home loans Compare home loans
Toggle Item

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: 04th June 2025

Toggle Item

Home loan key fact sheets

Queensland Country Bank, like all lending institutions, offers a Home Loan Key Facts Sheet to help you compare home loans in the market.

Home Loan Key Facts Sheets provide information about our loan products in a set standard format so it is easier for you to shop around and compare our loan products with those of other lenders (i.e. to compare apples with apples). The Home Loan Key Facts Sheet is one of a number of initiatives of the Government’s Fairer and Simpler Banking reforms.

Please click on the link to generate a Home Loan Key Facts Sheet which you can then choose to print or receive by email.

Home Loan Key Facts Sheets

A home loan facts sheet is not an offer of credit. Queensland Country Bank is not obliged to provide you with the home loan described in the home loan facts sheet, you still need to apply for the loan and meet the lending criteria.

Call 1800 075 078
Contact us
Make an appointment