Discounted variable interest rate
Package together your banking
No establishment fee

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

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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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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.

Rates & Fees

Product Principal and Interest Interest Only
Special Variable Package Rate (<80%) (Owner Occupied) 5.79 Interest rate 6.151*Comparison rate 5.79 Interest rate 6.13*1Comparison rate
Special Variable Package Rate (LVR 80.01% to 95%) (Owner Occupied) 5.99 Interest rate 6.35*1Comparison rate 5.99 Interest rate 6.33*1Comparison rate
Standard Ultimate Home Loan Package 7.99 Interest rate 8.321Comparison rate 8.34 Interest rate 8.411Comparison 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

5.79 Percent per annum

Comparison rate from

6.13 Percent per annum *1

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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: 16th April 2026

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