At Queensland Country Bank, we understand purchasing property isn’t one-size-fits-all. Our Specialised Residential Loans are designed for purchase of residential property in company or company trust entities, offering the flexibility and structure required to support tax-effective strategies and asset protection goals.
Whether you're expanding your portfolio or protecting your wealth, our Specialised Residential Loans are designed to align with your financial strategy while providing competitive rates, attractive features such as a 100% offset account and exceptional service.
Features
- Variable and fixed rate options available
- Your choice to arrange payments weekly, fortnightly or monthly
- No penalties for extra repayments for variable rate loans and up to an extra $10,000 per year in addition to your contracted repayments for fixed rate loans
- Redraw facility available (except during construction#)
- A 100% mortgage offset account (except during construction#)
- Available for interest only repayments to approved applicants
- Available for construction (interest only loans#)
- Borrow up to 80% of the value of your property
Specialised Loan Fee Benefits
- Multiple Specialised Residential Loans are available under the one fee
- No establishment or mortgage document fees
- No monthly loan maintenance fees
- 10% discount on building and contents insurance for the first
- No monthly fee on Business Platinum account (save $48 a year) or Business Basic account (save $24 a year)
- No annual fee on Business Visa My Rewards credit card (save $89 a year)
Rates & Fees
| Product | Principal and Interest | Interest Only |
|---|---|---|
| Special Specialised Residential Variable Rate (<80%) | 5.44 Interest rate | 5.441 Interest rate |
| Standard Specialised Residential Variable Rate (<80%) | 7.99 Interest rate | 8.34 Interest rate |
| 1 Year Fixed Rate (<80%) | 5.292 Interest rate | 5.492 Interest rate |
| 2 Year Fixed Rate (<80%) | 5.192 Interest rate | 5.392 Interest rate |
| 3 Year Fixed Rate (<80%) | 5.192 Interest rate | 5.392 Interest rate |
Rates effective as of Tuesday 28 October 2025 |
| Fees | |
|---|---|
| Annual fee | $450 |
| Establishment fee | Waived |
| Monthly fee | Waived |
| Document fee | Waived |
| Guarantee Fee | $150 |
| GSA (General Security Agreement) | $50 |
The fine print
Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.
Fixed Rate Loan Expiry: Unless otherwise stated all fixed rate loans revert to the relevant Standard Variable Rate (Principal & Interest) upon expiry of the fixed rate period.
# Construction Lending: Available for construction purposes for a maximum term of 24 months. On completion of construction period (defined in the Lending Terms and Conditions, available upon request), the loan is converted to a Principal and Interest Variable Rate Loan. During the construction period, the redraw facility and the 100% Offset Account are not available.
1 Following variable interest only expiry, the loan will revert to a principal and interest variable interest rate with a 2.40% discount off the Standard Variable Rate. If the loan is being used for construction purposes, the discount off the Standard Variable Rate will be 2.55%.
2 Following fixed rate expiry, the loan will revert to a principal and interest variable interest rate with a 2.40% discount off the Standard Variable Rate.
Before acquiring the product, the information above should be read in conjunction with the following documents to determine if the product is right for you: Financial Services Guide; Home Loan brochure; Fees and Charges brochure; Account and Access Facility Conditions of Use; Credit Guide and Business Interest Rates Schedule.