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 and company trustee 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
- Up to 10% discount for the first 12 months on CGU home and contents insurance
- 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 $85 a year)
Rates & Fees
| Product | Principal and Interest | Interest Only |
|---|---|---|
| Special Specialised Residential Variable Rate (<80%) | 6.24 Interest rate | 6.243 Interest rate |
| Standard Specialised Residential Variable Rate (<80%) | 8.74 Interest rate | 9.09 Interest rate |
| 1 Year Fixed Rate (<80%) | 6.494 Interest rate | 6.694 Interest rate |
| 2 Year Fixed Rate (<80%) | 6.494 Interest rate | 6.694 Interest rate |
| 3 Year Fixed Rate (<80%) | 6.494 Interest rate | 6.694 Interest rate |
| Fees | |
|---|---|
| Annual fee | $450 |
| Establishment fee | Waived |
| Monthly fee | Waived |
| Document fee | Waived |
| Guarantee Fee | $150 |
| Rate Lock Fee (fixed rate loans only) | $500 |
Interest rate from
6.24
Information you need to know
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 are available on request.
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.
Overdraft, Loans and Credit Card Interest Rates: The interest rate applicable to Overdrafts, Loans & Credit Cards is determined during the loan assessment process and may include a negative or positive margin. The margin, which may be subject to change, is determined at our discretion and will be reflected in the interest rate disclosed in the loan contract.
Specialised Residential Loan Rates: Specialised Residential Loans are only available for the purchase or refinance of residential property for investment purposes by company and company trustee entities for a maximum LVR of 80.00%. Loan to Value Ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value. Rates are only available on the Specialised Residential Loan products.
3 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 2.50%.
4 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.
Tax File Number
Interest earned on all savings accounts must be declared for income tax purposes. If you do not provide us with your Tax File Number or Tax File Number Exemption or Australian Business Number (ABN), we must deduct tax at the highest personal income tax rate plus the Medicare Levy from your interest earned. You are not obliged to provide your Tax File Number or Tax File Number Exemption or ABN.
Business Definition
A business is defined as a body corporate or person involved in a commercial activity including a company, partnership or sole trader with an ABN, incorporated association or co-operative.
Important Information
If you wish to have both business and personal accounts with Queensland Country, these will need to be opened and operated separately. Members seeking the waiver of the Monthly Account Service Fee due to not-for-profit or charitable status will be required to provide relevant documentation.
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: Financial Services Guide; Business Banking Brochure; Fees and Charges brochure; Account and Access Facility Conditions of Use; Credit Guide and Business Lending Interest Rates Schedule.
Rates and fees effective: 30th September 2026