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Imagine more with a new home

Does becoming a homeowner seem like a distant dream? At Queensland Country we’re here to help you transform that dream into a reality.

Found your new home, but haven’t quite got the recommended 20% loan deposit together?

Don’t stress, our Low Deposit Package Loan*** allows you to borrow a whopping 95% of the value of your new home plus the value of your Lenders Mortgage Insurance on top of your loan amount.

And, your 0.75% discount off our principal and interest standard variable rate is guaranteed for the entire life of the loan (yep, we’re serious).

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Already have a 20% deposit? Make an appointment with our Home Loan Specialists as you might be eligible for a lower rate with our Special Variable Package Loan** or RateSaver 3 Year Fixed Rate Loan

The great thing about our Low Deposit Package Home Loan is that it’s a part of our Ultimate Home Loan package. This package bundles your home loan, our Ultimate Package Account (an everyday transaction account) and our low rate optional credit card. Plus, there's no establishment, document or monthly loan maintenance fees! (Annual package fee of $350 applies along with other fees and charges).

Things to consider

  • First home buyers should look to secure a spot in the recent Australian Government First Home Loan Deposit Scheme to take advantage of avoiding Lenders Mortgage Insurance and purchase their first home with a deposit of as low as 5%. 
  • Take advantage of government grants and stamp duty concessions available to first home buyers. Make an appointment with one of our team to see what you might be eligible for.
  • Remember that extra costs can increase the size of the deposit you will need. Use our budgeting calculator to guide you on what you might be able to afford, but don't hesitate to chat to us to learn more.
  • Need a helping hand to budget? Speak with one of our qualified budgeting specialists to take advantage of our free Money Mentoring service. With an easy to follow plan tailored to you, you’ll be able to identify opportunities to save and avoid overspending.
  • If you have an idea of your budget already, save time and hassle by paying your bills with our SmartBudget service that allows you to set your budget for the year ahead. SmartBudget allows our Members to smooth out their nominated bills for 12 months and achieve their financial goals and aspirations faster.

To find out more about the process and benefits of buying your first home, make an appointment to visit your nearest branch.

Must Read Information

Comparison Rate Warning

^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 for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years..

*Low Deposit Package Loan

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. A 0.75%p.a. discount off the Principal and Interest Standard Variable Rate applies for the life of the loan.   Normal lending criteria, terms, conditions and fees apply and are available on request. ^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 Variable Package Rate

Limited time offer under our Ultimate Home Loan Package 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. 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. Normal lending criteria, terms, conditions and fees apply and are available on request. ^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 for a secured home loan calculated on a loan amount of $150,000 over a term of 25 years.