Our competitive Special Package 2 Year Fixed Loan* is a smart choice for borrowers looking for peace of mind when it comes to their home loan repayments. Plus, benefit from the flexibility that comes with this fixed rate, such as features like a 100% mortgage offset account and redraw facility for owner occupied properties.
Ready to imagine more? Contact one of our friendly Queensland based Home Loan Specialists. We’ll have a chat about your home ownership dreams and how we can best support you to achieve your goals.
Prefer a variable rate home loan?
Our Special Variable Package (<80%)~ allows you to move with the times with a flexible variable rate.
Enjoy more time to imagine more with a 100% mortgage offset account, redraw facilities on owner occupied properties and no early repayment fee for extra payments.
Are you imagining building or buying a new home for the first time?
You may be eligible for the Australian Government’s First Home Loan Deposit Scheme (New Homes), which allows first home buyers to achieve your home ownership dreams without the need to pay Lenders Mortgage Insurance.
The HomeBuilder grant has been designed to provide eligible owner-occupiers with a grant of $15,000 to build a new home or substantially renovate an existing home. We’re also proud to be one of the lenders who will accept your HomeBuilder grant as part of your deposit¶.
Why Queensland Country Bank?
Queensland Country Bank is a bank with a distinct purpose of helping all Queenslanders live better lives through better finances. The Queensland Country brand has a proud history of providing quality banking and general insurance products# to communities throughout the state. Check out our about us section to find out more.
^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 loan amount of $150,000 over a term of 25 years.
*Special Package 2 Year Fixed Loan
Interest rate effective 2 November 2020. Limited time fixed rate offer under our Ultimate Home Loan Package for principal and interest loans with new borrowings of at least $100,000 with a maximum loan to value ratio of 80%. Upon expiry of the fixed rate period the loan will revert to our Principal and Interest Standard Variable Rate (SVR) with a discount of the life of the loan. Normal lending criteria, terms, conditions and fees apply and are available on request.
~Special Variable Package Rate (<80%)
Limited time variable rate under Ultimate Home Loan Package for new, principal and interest loans, owner occupied or residential investment loans, minimum new borrowings of $100,000 and 80% maximum loan to value ratio. Rate includes a 2.00% discount off the Principal and Interest Standard Variable Rate for the life of the loan.
Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Value Ratio 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 this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Home Loan brochure, Fees and Charges brochure, Account and Access Facility Conditions of Use; Financial Services Guide; Loan Interest Rate Schedule and Credit Guide.
#Queensland Country Bank Limited ABN 77 087 651 027 AFS Licence No. 244533 acts under its own Australian Financial Services Licence and under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 AFS Licence no. 227681 trading as CGU Insurance. CGU Home and Contents Insurance, Landlords Residential Property Insurance, Car Insurance and Travel Insurance are issued by CGU. You can get a Product Disclosure Statement (PDS) for any of these products from any office of Queensland Country Bank. You should consider the PDS in deciding whether to buy or hold the relevant products.
¶ When assessing your loan application, you will be required to demonstrate that, in the event your HomeBuilder grant is declined or you are deemed ineligible, you have either additional deposit funds to allow you to meet our minimum loan to valuation ratio requirements, or you will have the capacity to qualify for Lenders Mortgage Insurance based on the reduced deposit.