Discounted fixed interest rate
Package together your banking
No establishment or mortgage document fee

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

  • Choose weekly, fortnightly or monthly repayments
  • Make extra repayments up to an extra $10,000 per year in addition to your contracted repayments
  • 100% mortgage offset
  • Redraw facility (for owner-occupied loans)

Package benefits

Rates & Fees

Product Principal and Interest Interest only
Special 2 Year Fixed Package Rate <80% 5.897,11,20,21 Interest rate 6.48Comparison rate 5.897,11,20,22 Interest rate 6.47Comparison rate
Special 2 Year Fixed Package Rate >80% 6.096,7,20,23 Interest rate 6.68Comparison rate 6.096,7,20,24 Interest rate 6.67Comparison rate
1 Year Fixed Package (<80%) 6.197,12,14 Interest rate 8.33*Comparison rate 6.397,12,15 Interest rate 8.35*Comparison rate
2 Year Fixed Package (<80%) 6.147,12,14 Interest rate 8.12*Comparison rate 6.347,12,15 Interest rate 8.15*Comparison rate
3 Year Fixed Package (<80%) 6.097,12,14 Interest rate 7.92*Comparison rate 6.297,12,15 Interest rate 7.97*Comparison rate
1 Year Fixed Package (>80%) 6.396,7,14 Interest rate 8.16*Comparison rate 6.596,7,15 Interest rate 8.37*Comparison rate
2 Year Fixed Package (>80%) 6.346,7,14 Interest rate 8.16*Comparison rate 6.546,7,15 Interest rate 8.19*Comparison rate
3 Year Fixed Package (>80%) 6.296,7,14 Interest rate 7.97*Comparison rate 6.496,7,15 Interest rate 8.03*Comparison rate
Effective date from Thursday 11 April 2024
Fees
Annual fee $395
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The fine print

6 Maximum LVR for owner occupied home loans is 95% and 90% for investment home loans.

7 Only available under our Ultimate Home Loan Package.

11 Maximum LVR for owner occupied and investment home loans is 80%.

12 Maximum LVR for owner occupied and investment home loans is 80%.

14 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 0.50%p.a. for the life of the loan.

15 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 0.50%p.a. discount off our Principal and Interest SVR for the life of the loan.

20 Available from 11 January 2024 for a loan amount of at least $100,000. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.

21 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 2.55%p.a. for the life of the loan.

22 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 2.55%p.a. discount off our Principal and Interest SVR for the life of the loan.

23 Principal and Interest loans: Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 2.35%p.a. for the life of the loan.

24 Interest Only loans: Following expiry of the Interest Only fixed rate period, loan will revert to principal and interest repayments with a 2.35%p.a. discount off our Principal and Interest SVR for the life of the loan.

# Discount applies where insurance policies are arranged through Queensland Country Bank Limited. Product issuer is Insurance Australia Limited ABN 11 000 016 722 AFSL 227 681 trading as CGU Insurance.

^ Other fees and charges may be applicable.

Unless otherwise stated all fixed rate loans revert to the relevant Standard Variable Rate (Principal and Interest or Interest Only, as applicable) upon expiry of the fixed rate period.

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.

Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.

* 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. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

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: Target Market Determination; Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Loan Interest Rate Schedule; and Credit Guide.

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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.