Imagine More With Queensland Country

Imagine if life was what you made it. And, there was a bank that was dedicated to helping you make your dreams a reality. 

At Queensland Country Bank, we’re here to help you imagine more.

Our competitive RateSaver 3 Year Fixed Loan* is a smart choice for borrowers looking for stability in their repayments while enjoying the flexibility that comes with features such as a redraw facility and 100% mortgage offset account.


Ready to imagine more? Book in a time that suits you to speak with one of our friendly Home Loan Specialists. We’ll have a chat about your home ownership dreams and how we can best support you to achieve your goals.


Why choose a Fixed Rate?

  • No monthly fees##
  • Deposit as low as 5% for owner occupiers and 10% deposit for residential investors
  • Available for owner occupied and residential investment loans
  • 100% mortgage offset account on owner-occupied properties
  • Redraw facility on owner-occupied properties (minimum redraw amount applies)#

Prefer a variable rate home loan?

Our Special Variable Package** allows you to move with the times with a flexible variable rate. Plus, if you don't have the recommended 20% loan deposit goal, don't stress. You could borrow up to 95% (LVR) of the value of your new home and still enjoy our lowest variable home loan interest rate.

Even better, if you haven’t saved enough deposit to cover your Lenders Mortgage Insurance (LMI), our Low Deposit Package Loan*** allows you to borrow up to 95% LVR plus the LMI costs on top of your loan amount if needed. LMI restrictions apply.

Our package will also allow you to enjoy a 100% mortgage offset account and redraw facilities on owner occupied properties and no early repayment fee for extra payments.


Are you imagining your first home?

You may be eligible for the Australian Government’s First Home Loan Deposit Scheme, which allows first home buyers to put down a deposit of as little as 5%, whilst avoiding Lenders Mortgage Insurance. Click here to learn more.

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 insurance products to communities throughout the state.  

Need help choosing the right loan?

Our friendly Home Loan Specialists can answer all your questions and help you work out the right loan for your needs. Prefer to call us? Phone 1800 075 078.

Must Read Information

^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. 

3 Year Fixed Loan

*Limited time offer for new principal and interest loans of at least $100,000 with maximum loan to value ratio of 95% for owner occupied and 90% for residential investment loans. Normal lending criteria, terms, conditions and fees apply and are available on request.

Special Variable Package

**Special Variable Package Limited time variable rate offer under our Ultimate Home Loan Package for new, principal and interest loans with new borrowings of at least $100,000 with a maximum loan to value ratio of 95% excluding lenders mortgage insurance. 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 withdrawl any time before the loan contract is entered into. Normal lending criteria, terms, conditions and fees apply and are available on request.