Deposit as low as 5%
100% mortgage offset

Having a fixed rate loan means you can get the best of both worlds… a fixed rate and the full range of home loan benefits including a 100% offset account.

A fixed rate loan gives you certainty of knowing exactly what your interest rate is, and therefore your repayments will be, for a period of up to three years.

The fixed rate loan reverts to a standard variable rate home loan after the fixed period, but you can choose to re-fix it again for a fee.

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  • Certainty of your interest rate for a period of one, two or three years
  • Safeguard against interest rate rises for the fixed period
  • 100% mortgage offset account
  • Redraw facility on owner-occupied properties
  • Your choice of weekly, fortnightly or monthly repayments
  • Able to pay up to an extra $10,000 per year in addition to your contracted repayments
  • Automatic repayments through direct debit
  • Available for a range of loan purposes, including buying an existing house, vacant land for building a home and more

Rates & Fees

New Loan Rates Principal and Interest Interest Only
3 Year Fixed Rate (<90%) 2.84 Interest rate 4.22*Comparison rate 3.19 Interest rate 4.56*Comparison rate
2 Year Fixed Rate (<90%) 2.84 Interest rate 4.35*Comparison rate 3.19 Interest rate 4.69*Comparison rate
1 Year Fixed Rate (<90%) 2.84 Interest rate 4.49*Comparison rate 3.19 Interest rate 4.84*Comparison rate
3 Year Fixed Rate (>90%) 3.09 Interest rate 4.28*Comparison rate 3.44 Interest rate 4.63*Comparison rate
2 Year Fixed Rate (>90%) 3.09 Interest rate 4.40*Comparison rate 3.44 Interest rate 4.74*Comparison rate
1 Year Fixed Rate (>90%) 3.09 Interest rate 4.52*Comparison rate 3.44 Interest rate 4.86*Comparison rate
Effective date from Friday 5 March 2021
Establishment fee $250
Document fee $250
Loan maintenance fee $10
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The fine print

* 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 online or at any Queensland Country Bank branch. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

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 brochureFees and Charges brochure, Account and Access Facility Conditions of UseFinancial Services GuideLoan Interest Rate Schedule and Credit Guide.

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Home loan key fact sheets

Queensland Country Bank, like all lending institutions, offers a Home Loan Key Facts Sheet to help you compare home loans in the market.

Home Loan Key Facts Sheets provide information about our loan products in a set standard format so it is easier for you to shop around and compare our loan products with those of other lenders (i.e. to compare apples with apples). The Home Loan Key Facts Sheet is one of a number of initiatives of the Government’s Fairer and Simpler Banking reforms.

Please click on the link to generate a Home Loan Key Facts Sheet which you can then choose to print or receive by email.

Home Loan Key Facts Sheets

A home loan facts sheet is not an offer of credit. Queensland Country Bank is not obliged to provide you with the home loan described in the home loan facts sheet, you still need to apply for the loan and meet the lending criteria.