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Celebrate your savings with a home loan worth waiting for!

Canstar Customer-Owned Bank of the Year 2023 Queensland First Home Buyer award

Canstar 2024 Outstanding Value - Investment Home Lender Award

Mozo Experts Choice Award 2023 Investor Home Loan

Our Special Variable Package Rate (<80%)~ home loan, with options for Owner Occupied and Residential Investment lending under the Ultimate Home Loan Package (Variable), is a smart choice for anyone looking to imagine a better life.

 
Special Variable Package Rate - Owner Occupied (<80%) 5.99%p.a., Comparison Rate 6.34%p.a.

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Competitive rates for residential investment loans are also available under our Ultimate Home Loan Package
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Ultimate Home Loan Package Inclusions

  • 100% mortgage offset (for owner-occupied and investment loans)
  • $0 annual facility fee on Visa credit card (saving $39 a year) 
  • $0 annual facility fee on Visa My Rewards credit card (saving $89 a year)
  • No establishment, document, or monthly loan maintenance fees!
  • 10% discount for the first 12 months on CGU home and contents insurance

See the full list of features of the Ultimate Home Loan Package (Variable). Annual package fee of $395 applies along with other fees and charges. 

Ready to imagine more?

Our friendly Home Loan Specialists can answer all your questions and help you work out the right loan for your needs.

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Don't have a 20% deposit? Our Special Variable Package Rate (>80%)* could be for you.

  • Deposit as low as 5% for owner occupiers and 10% for residential investors
  • Multiple 100% mortgage offset for owner occupied variable principal and interest loans
  • 10% discount for the first 12 months on CGU home and contents insurance
  • Redraw facility for owner occupiers (minimum redraw amount applies)
  • No early repayment fee for extra payments
 

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.

Must Read Information

The Canstar 2023 Customer Owned Bank of the Year – Queensland First Home Buyer was received in July, 2023 in Queensland.

The Canstar 2024 Outstanding Value Investment Home Loan was received in February, 2024 for the Ultimate Home Loan Package product.

~ Special Variable Package Rate (<80%)
This product is available from 14 February 2024 under Ultimate Home Loan Package for new owner occupied principal and interest loans, minimum new borrowings of $100,000 and 80% maximum loan to value ratio. Not available for the restructure of existing loan facilities with us. Offer includes a 2.75% discount off the Principal and Interest Standard Variable Rate for the life of the loan as detailed in the loan contract and is subject to withdrawal any time before the loan contract is entered into.

* Special Variable Package Rate (>80%)
This product is available from 14 February 2024 under our Ultimate Home Loan Package for new principal and interest loans of at least $100,000 and maximum owner-occupied loan to value ratio of 95% and 90% for residential investment. Not available for the restructure of existing loan facilities with us. Offer includes a discount off the Standard Variable Rate for the life of the loan as detailed in the loan contract and is subject to withdrawal any time before the loan contract is entered into.

^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. Comparison rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.

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