Features

  • Certainty of your interest rate for a period of one, two or three years
  • Safeguard against interest rate rises for the fixed period
  • 100% mortgage offset account on owner-occupied properties
  • Redraw facility on owner-occupied properties
  • Your choice of weekly, fortnightly or monthly repayments
  • Able to pay up to an extra $10,000 per year in addition to your contracted repayments
  • Automatic repayments through direct debit
  • Available for a range of loan purposes, including buying an existing house, vacant land for building a home and more

Rates & Fees

1 Year Package <80% LVR (Principal & Interest) 5.34Interest rate 6.19^Comparison rate
2 Year Package <80% LVR (Principal & Interest) 5.24Interest rate 6.12^Comparison rate
3 Year Package <80% LVR (Principal & Interest) 5.24Interest rate 6.06^Comparison rate
1 Year Package <80% LVR (Interest Only) 5.54Interest rate 6.20^Comparison rate
2 Year Package <80% LVR (Interest Only) 5.44Interest rate 6.15^Comparison rate
3 Year Package <80% LVR (Interest Only) 5.44Interest rate 6.10^Comparison rate
3 Year Package (80.01% to 95%) LVR (Principal & Interest) 5.44Interest rate 6.12^Comparison rate
2 Year Package (80.01% to 95%) LVR (Principal & Interest) 5.44Interest rate 6.16^Comparison rate
1 Year Package (80.01% to 95%) LVR (Principal & Interest) 5.54Interest rate 6.21^Comparison rate
2 Year Package (80.01% to 95%) LVR (Interest Only) 5.64Interest rate 6.18^Comparison rate
1 Year Package (80.01% to 95%) LVR (Interest Only) 5.74Interest rate 6.22^Comparison rate
3 Year Package (80.01% to 95%) LVR (Interest Only) 5.64Interest rate 6.16^Comparison rate
Discount applied 0.30Interest rate N/A
Effective date from Wednesday 4 June 2025
Fees
Annual package fee $395

Interest rate from

5.24 Percent per annum

Comparison rate from

6.06 Percent per annum ^

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The fine print

^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. These Comparison Rates are calculated on a loan amount of $150,000 over a term of 25 years.

Rates available for Queensland Energy Partner Employees, Energy Super or Electricity Trade Union (ETU) Members only. Not available for the restructure of existing Queensland Country Bank home loan facilities. Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.

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 Determinations; Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Loan Interest Rate Schedule; and Credit Guide.