Whether you're looking for a home that better suits your lifestyle or you're considering refinancing, our lowest variable home loan could be the right fit for you.

With a range of features and benefits designed to give you greater flexibility, the Ultimate Home Loan Package is here to support you on every stage of your home ownership journey.

Hear from our Members

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.

Why Queensland Country?

At Queensland Country, we're committed to our Members, and are here to help all Queenslanders, like you, achieve your financial goals.

Member-owned

We are 100% Member owned. On becoming a Member of our bank, you receive a membership share in the business.

Responsible Banking

Community development and personal growth matter to Queensland Country.

Community Partnerships

At Queensland Country we are committed to working with not-for-profit organisations to provide a cost effective way to do banking.

People Focused

We like to sponsor local events that offer benefit to the community and support people to get involved.

Information you need to know

Canstar - Customer Owned Bank of the Year First Home Buyer QLD (2023 – 2026)

Canstar - Outstanding Value - Variable Home Lender (2025-2026)

~ 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.

* Special Variable Package Rate (LVR 80.01% to 95%)

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 and residential investment loan to value ratio of 95%. 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.

1 Mortgage Offset accounts available on principal and interest loans only

^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.

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: 22^nd June 2026