Featuring our lowest variable rate, the Ultimate Home Loan Package (Variable) bundles together a range of discounts and benefits.

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Features & Benefits

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.

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See what our Members are saying

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.

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

Do you have questions?

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

 

Rates & Fees

Product Principal and Interest Interest Only
Special Variable Package Rate (<80%) (Owner Occupied) 5.99 Interest rate 6.351*Comparison rate 5.99 Interest rate 6.33*1Comparison rate
Special Variable Package Rate (LVR 80.01% to 95%) (Owner Occupied) 6.19 Interest rate 6.54*1Comparison rate 6.19 Interest rate 6.53*1Comparison rate
Standard Ultimate Home Loan Package 8.24 Interest rate 8.561Comparison rate 8.59 Interest rate 8.661Comparison rate
Fees
Annual package fee $395
Establishment fee Fee waived under package
Monthly fee Fee waived under package
Document fee Fee waived under package

Interest rate from

5.99 Percent per annum

Comparison rate from

6.33 Percent per annum *1

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

Home Loan FAQ

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How do I apply for a home loan?

To apply for a home loan, you'll need to make an appointment to visit us in branch. If you would like information about fees and charges or other information relating to the products mentioned above please refer to the relevant brochure.

You can also apply for a home loan online.

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
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Am I eligible to apply for a loan?

To be eligible to apply for a personal loan you must be:

  • Aged 18 years or older
  • An Australian citizen/permanent resident or New Zealand citizen; and
  • Currently working and residing in Australia.
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What information will I need to provide when applying for a loan?

In order to assess your loan application, we will typically request the following:

  • Identity verification
    • Passport
    • Birth certificate
    • Australian driver's licence
    • Credit Card statement
    • Household bill (e.g. rates, phone, electricity, etc)
  • Income verification
    • Copy of a payslip dated within the past four weeks/covering the period of the past four weeks; or
    • Copies of the past two years of Income Tax returns and assessments; or
    • Copy of the latest tax return, along with profit and loss statements and balance sheets for the past two years (where the applicant is self-employed).
  • Proof of savings (not held with Queensland Country Bank)
    • Copies of account statements (dated within the past 3-6 months)
  • Details of living expenses
    • Minimum one month most recent statement; or
    • Three months, where required for genuine savings
  • Statements for any existing debts (dated within the past 3-6 months)
    • Credit card statements
    • Store cards or charge cards
    • Any other current debts or loans

Listed below are some of the things we may also need to assess during the application. The more information you can provide to us when you make your application, the faster we're able to make a decision for you.

Details of what you own

  • Include other property details, furniture, vehicles, life insurance and other major assets.

Details of your purchase

  • Quote from the car yard (if purchasing a vehicle)
  • Details of the property (if you're buying a property)

If you've already begun the purchase of a property

  • Copy of the signed Contract of Sale
  • Copy of your receipt for any deposit paid
  • Copy of plans and specifications
  • Building quotes
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What is Lenders Mortgage Insurance and is it required?

Lenders Mortgage Insurance (LMI) is a policy that protects your bank or lender, rather than you, if you default on your home loan. In Australia, LMI is typically required if your deposit is less than 20% of the property’s purchase price (i.e. an 80% Loan-to-Value Ratio).

Unless you are in a position to borrow at least 80% of the value of your home, then you will need to purchase an LMI policy.

The cost of an LMI policy depends on several factors: the value of your deposit, the total amount you are borrowing and whether you are living in the property or using it as an investment. Each lender is different though, so ensure that you check all policy details before taking out a home loan.

Government schemes, if available at the time, may be utilised to bypass LMI. Please thoroughly check your eligibility, if you choose to explore this option.

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If I am on probation with my place of employment can I get a loan approved?

We can still assess your loan application as long as your position is in the same industry as your previous employment and/or you have letter from your employer stating your employment will be guaranteed after probation is completed.

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

Canstar - Customer Owned Bank of the Year First Home Buyer QLD (2023 – 2025)

Canstar - Outstanding Value - Variable Home Lender (2025)

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: 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: 22nd June 2026

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