Use the equity in your home to renovate your existing place or purchase or build an investment property with a line of credit.

  • Ultimate Home Loan Package (Line of Credit)

    Featuring our lowest rate for a line of credit, the Ultimate Home Loan Package (Line of Credit) allows you to draw up to your credit limit at any time and pay off as much or as little as you like.

    Interest rate from

    8.69 Percent per annum

    • Details

    • Online Application

      Internet Lending Privacy Collection Notice

      Queensland Country Bank collects your personal information to assess your application, verify your identity, manage any products or services you hold with us, and comply with our legal and regulatory obligations (including under the Privacy Act 1988 (Cth), Privacy (Credit Reporting) Code and Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006)

      Our Privacy and Credit Reporting Policy explains how we manage your personal information, how you can access or correct it, and how to make a privacy or credit reporting complaint. Our Privacy and Credit Reporting Notification outlines how Queensland Country responsibly handles the collection, use, storage, and disclosure of your personal information, including credit-related details and credit reporting (including the credit reporting bodies we deal with).

      Our Electronic Identity Verification Collection Notice explains how we will manage your personal information if you consent to us verifying your identity documents (e.g., Australian drivers licence) electronically using the Attorney-General’s Department’s Document Verification Service (DVS). You do not have to agree to verify your identity documents electronically. If you prefer not to provide your identity information online, you will be able to choose to verify your identity in person at a Queensland Country branch using your identity documents.

       

      Consent

      By continuing with your application, you:

       

      Products issued by Queensland Country Bank Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533 are subject to applicable conditions, fees and charges, which may vary or be introduced over time. Further information and terms and conditions are available upon request. Approval of credit products is subject to our lending criteria. The information provided is general and does not consider your individual objectives, financial circumstances or needs. Before acting, assess whether the product is suitable for you. Please review the relevant disclosure documents, before making any decision. Target Market Determinations for our products can be accessed at any time.

      Accept & Continue

  • Line of Credit

    Our Line of Credit is an overdraft facility that provides you with a continual source of credit whenever needed.

    Interest rate from

    9.19 Percent per annum

    • Details

    • Online Application

      Internet Lending Privacy Collection Notice

      Queensland Country Bank collects your personal information to assess your application, verify your identity, manage any products or services you hold with us, and comply with our legal and regulatory obligations (including under the Privacy Act 1988 (Cth), Privacy (Credit Reporting) Code and Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006)

      Our Privacy and Credit Reporting Policy explains how we manage your personal information, how you can access or correct it, and how to make a privacy or credit reporting complaint. Our Privacy and Credit Reporting Notification outlines how Queensland Country responsibly handles the collection, use, storage, and disclosure of your personal information, including credit-related details and credit reporting (including the credit reporting bodies we deal with).

      Our Electronic Identity Verification Collection Notice explains how we will manage your personal information if you consent to us verifying your identity documents (e.g., Australian drivers licence) electronically using the Attorney-General’s Department’s Document Verification Service (DVS). You do not have to agree to verify your identity documents electronically. If you prefer not to provide your identity information online, you will be able to choose to verify your identity in person at a Queensland Country branch using your identity documents.

       

      Consent

      By continuing with your application, you:

       

      Products issued by Queensland Country Bank Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533 are subject to applicable conditions, fees and charges, which may vary or be introduced over time. Further information and terms and conditions are available upon request. Approval of credit products is subject to our lending criteria. The information provided is general and does not consider your individual objectives, financial circumstances or needs. Before acting, assess whether the product is suitable for you. Please review the relevant disclosure documents, before making any decision. Target Market Determinations for our products can be accessed at any time.

      Accept & Continue

Information you need to know

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.

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 Occupier 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.

^ To be eligible for the Ultimate Home Loan Package you must have a total loan amount of at least $100,000.

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; Fees and Charges brochure; Account and Access Facility Conditions of Use; Owner Occupier Interest Rate Schedule and Credit Guide.

Rates and fees effective: 22nd June 2026

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