Imagine more flexibility from your fixed rate home loan

Our Special Package 2 Year Fixed Home Loan (<80%)is a smart choice for borrowers looking for peace of mind when it comes to their home loan repayments. 


With a 100% mortgage offset for owner occupied and investment properties, and a redraw facility for owner occupiers, we've got you covered with clever options to manage your repayments.

Plus, the flexibility doesn’t stop there. There is also a 1 year loan term available at this great rate if you'd prefer to fix your loan repayments for a shorter period. 



*Interest rate effective 5 March 2021. Limited time fixed rate offer is only available 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 0.75% for the life of the loan. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.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 calculated on a loan amount of $150,000 over a term of 25 years. 

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. 


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.


Why choose a Fixed Rate?

  • Available for owner occupied and residential investment loans
  • 100% mortgage offset for owner occupied and investment properties
  • Redraw facility on owner occupied properties (minimum redraw amount applies)
  • Available for home purchases or refinance of existing loans
  • Ability to make additional repayments up to $10,000 per year in addition to your contracted repayments

Ready to imagine more?

Our friendly Home Loan Specialists can answer all your questions and help you work out the right loan for your needs.


Package Inclusions

  • 100% mortgage offset account for owner occupied and investment properties
  • Redraw facility on owner occupied loans
  • $0 annual facility fee on Visa Credit card (saving $39 a year)
  • $0 annual fee on Rewarder credit card rewards program (saving $58 a year)
  • No establishment, document, or monthly loan maintenance fees!
  • 10% discount for the first 12 months on CGU home and contents insurance and contents cover where policies are arranged through Queensland Country Bank
  • Annual package fee of $350 applies along with other fees and charges. 

Prefer a variable rate home loan?

Our Special Variable Package Rate (<80%)~ allows you to move with the times with a flexible variable rate.  Plus, we are waiving the annual package fee for the first year of your loan.

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. 

~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 2.50% discount off the Principal and Interest Standard Variable Rate for the life of the loan. 

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. 

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. 

# 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.

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

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: Target Market Determination; Home Loan brochureFees and Charges brochureAccount and Access Facility Conditions of UseLoan Interest Rate Schedule and Credit Guide.