With a Home Equity Loan you can fund home improvements, renovations, a car or any worthwhile need.
Borrowing against the equity in your existing residential property means you can benefit from an interest rate that may be more competitive than a personal loan.
Features
- Borrow up to 90% of the value of your property
- Your choice to arrange payments weekly, fortnightly or monthly
- No penalties for extra repayments
- 24/7 internet banking, and mobile app access
- Loan terms of up to 10 years
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Rates & Fees
| Product | Principal and Interest | Interest only |
|---|---|---|
| Home Equity Loan | 7.49 Interest rate 8.90*2Comparison rate | N/A |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10/month |
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.
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.
* 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 May be withdrawn at any time before a loan contract is entered into.
2 Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.
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: 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: 27th August 2025