Featuring our lowest variable rate, the Ultimate Home Loan Package (Variable) bundles together a range of discounts and benefits.
Features
- Discounted variable interest rate#
- Your choice to arrange payments weekly, fortnightly or monthly
- No penalties for extra repayments
- Redraw facility available
- Up to five 100% mortgage offset accounts on variable principal and interest loans
- A 100% mortgage offset account for any other home loan under the package
- Terms of up to 30 years
- Available for interest only repayments to approved applicants
Package benefits
- Multiple home loans are available under the one package fee (including fixed rates)
- No establishment, switch or mortgage document fees (save $500 per loan)
- No monthly loan maintenance fee (save $10 a month per loan)
- 10% discount on home and contents insurance for the first year
- No annual fee on Visa credit card (save $39 a year)
- No annual fee on Visa My Rewards credit card (save $89 a year)
- No establishment fee on personal loans (save $120)
- No monthly loan maintenance fees on personal loans
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Rates & Fees
| Product | Principal and Interest | Interest Only |
|---|---|---|
| Special Variable Package Rate (<80%) (Owner Occupied) | 5.24 Interest rate 5.61*1Comparison rate | 5.24 Interest rate 5.59*1Comparison rate |
| Special Variable Package Rate (LVR 80.01% to 95%) (Owner Occupied) | 5.44 Interest rate 5.80*1Comparison rate | 5.44 Interest rate 5.78*1Comparison rate |
| Standard Ultimate Home Loan Package | 7.49 Interest rate 7.82*1Comparison rate | 7.84 Interest rate 7.91*1Comparison rate |
| Fees | |
|---|---|
| Annual package fee | $395 |
| Establishment fee | Fee waived under package |
| Monthly fee | Fee waived under package |
| Document fee | Fee waived under package |
The fine print
The Canstar 2024 Outstanding Value Investment Home Loan was received in February, 2024 for the Ultimate Home Loan Package product.
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 more information on our home loan interest rates, please refer to the Loan Interest Rate Schedule below.
^ To be eligible for the Ultimate Home Loan Package you must have a total loan amount of at least $100,000.
* 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.
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