A child playing with a ball in a backyard in front of a family home, with three adults standing on a deck and Canstar Bank of the Year Customer-Owned 2023-2025 and WeMoney Best for Value Fixed Home Loans Banking 2025 award badges displayed.

Looking for an award-winning Fixed Home Loan?

Begin your application online today.

Looking for some extra security and wanting to lock in an award-winning home loan?

Featuring our lowest fixed rate, the Ultimate Home Loan Package (Fixed) locks in an interest rate for up to two years and bundles together a range of discounts and benefits.

Special 2-Year Fixed Package Home Loan (LVR <80%) - Owner Occupied

Interest Rate~
5.99 Percent per annum
Comparison Rate^
6.62 Percent per annum

Features

100% mortgage offset account award badge

100% mortgage offset account

Make additional repayments up to $10,000 per year award badge

Make additional repayments up to $10,000 per year

Redraw facility available award badge

Redraw facility available

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.

Contact Us

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.

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Other Package Benefits

  • No establishment, switch or mortgage document fees (save $500 per loan)
  • Up to 10% discount for the first 12 months on CGU home and contents insurance
  • No establishment fee on personal loans (save $120)

Calculate your estimated repayments

Information you need to know

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

WeMoney - Best for Value - Fixed (2025)

~ Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.4% discount off the Standard Variable Rate

* 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.

^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The Comparison Rate is calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

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: Financial Services GuideTarget Market DeterminationHome Loan brochureAccount and Access Facility Conditions of UseFees and Charges brochureLoan Interest Rate Schedule; and Credit Guide.

Rates and fees effective: 22nd June 2026

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