You can apply for a personal loan online. It usually takes around 15-20 minutes, and we collect all of your financial information, identification and assets and liabilities as part of the application so it's important to have this on-hand.

You can also visit us in branch to submit an application.

To apply for a home loan, you'll need to make an appointment to visit us in branch. If you would like information about fees and charges or other information relating to the products mentioned above please refer to the relevant brochure.

You can also apply for a home loan online.

To be eligible to apply for a personal loan you must be:

• Aged 18 years or older
• An Australian citizen/permanent resident or New Zealand citizen; and
• Currently working and residing in Australia.

In order to assess your loan application, we will typically request the following:

• Identity verification
• Passport
• Birth certificate
• Australian driver's licence
• Credit Card statement
• Household bill (e.g. rates, phone, electricity, etc)
• Income verification
  • Copy of a payslip dated within the past four weeks/covering the period of the past four weeks; or
  • Copies of the past two years of Income Tax returns and assessments; or
  • Copy of the latest tax return, along with profit and loss statements and balance sheets for the past two years (where the applicant is self-employed).
• Proof of savings (not held with Queensland Country Bank)
  • Copies of account statements (dated within the past 3-6 months)
• Details of living expenses
  • Minimum one month most recent statement; or
  • Three months, where required for genuine savings
• Statements for any existing debts (dated within the past 3-6 months)
  • Credit card statements
  • Store cards or charge cards
  • Any other current debts or loans

Listed below are some of the things we may also need to assess during the application. The more information you can provide to us when you make your application, the faster we're able to make a decision for you.

Details of what you own

• Include other property details, furniture, vehicles, life insurance and other major assets.

Details of your purchase

• Quote from the car yard (if purchasing a vehicle)
• Details of the property (if you're buying a property)

If you've already begun the purchase of a property

• Copy of the signed Contract of Sale
• Copy of your receipt for any deposit paid
• Copy of plans and specifications
• Building quotes

For a basic personal loan, where all required information has been provided, we can normally give you a response within 2-5 business days.

Lenders Mortgage Insurance (LMI) is a policy that protects your bank or lender, rather than you, if you default on your home loan. In Australia, LMI is typically required if your deposit is less than 20% of the property’s purchase price (i.e. an 80% Loan-to-Value Ratio).

Unless you are in a position to borrow at least 80% of the value of your home, then you will need to purchase an LMI policy.

The cost of an LMI policy depends on several factors: the value of your deposit, the total amount you are borrowing and whether you are living in the property or using it as an investment. Each lender is different though, so ensure that you check all policy details before taking out a home loan.

Government schemes, if available at the time, may be utilised to bypass LMI. Please thoroughly check your eligibility, if you choose to explore this option.

We can still assess your loan application as long as your position is in the same industry as your previous employment and/or you have letter from your employer stating your employment will be guaranteed after probation is completed.

Even if your repayments come out of your Queensland Country account, if your debt is with another financial institution we need to see the statements to verify payments and to check the facility is up to date. We also need to check the debt is being serviced in a good manner and there are no current arrears.

No. Queensland Country Bank only offers variable rates on personal loan products.

For our Variable Rate Home Loan products, you can make extra repayments as often as you like. There are no penalties for extra repayments.

However, lump sum and/or additional repayments on fixed rate home/investment home loans cannot exceed $10,000 per year, in addition to your contracted repayments. Extra repayments exceeding the $10,000 limit (including early repayment or switching of your loan type) will attract an Early Repayment Fee.

Yes. Queensland Country can provide funds progressively, as long as the accounts to be paid are formally invoiced. Please visit your local branch or phone our Contact Centre on 1800 075 078 to speak to one of our Lending Specialists regarding the scheduling of payments.

You are able to estimate your borrowing capacity by using some of the great loan calculators we have on our website.

If you would like to discuss how much you can borrow, you can:

• Make an appointment with one of our local Branch Managers or Branch Lending Specialists
• Call us on 1800 075 078

We encourage you to obtain your own financial advice if you need further guidance in respect to your borrowing capacity or other related matters.

An Establishment Fee applies to most personal and home loans, as well as a Monthly Loan Maintenance Fee. Document fees may also apply. For some home loan or personal loan products, different fees may apply - please refer to our Fees and Charges brochure for the current list of applicable fees.

The frequency of your repayments can be made weekly, fortnightly or monthly, provided your minimum monthly repayment amount has been paid into the loan by the due date.

Your loan approval is valid for 90 days from the date the approval is provided, as long as the details provided on your original application have not changed (e.g. you are still with the same employer).

No, genuine savings are required. However, you can use funds from other sources to help with your deposit. If you’d like to discuss buying your first home with your closest Branch Manager, simply make an appointment.

A discharge of mortgage (also referred to as ‘Discharge of Security’ or ‘Release of Mortgage’) is the legal process of removing a lender's security interest (mortgage) from a property title once the loan(s) that it secures has been fully repaid or replaced with alternate security.

This process formally confirms the debt has been cleared, allowing the property title to be updated. This often involves completing a formal request form with your lender.

A joint home loan is a home loan shared by two or more people (such as partners, family members or friends), who are listed on the property title and legally responsible for repayments.

Structuring a home loan in this way allows borrowers to pool income to increase borrowing power, share costs and, ideally, enter the property market faster.

If you’re interested in a joint home loan, we’re here to help.

You can visit your local branch to speak one of our Lending Specialists or call our Contact Centre on 1800 075 078 for any initial enquiries or support.

Refinancing a home loan means replacing your current home loan with a new loan, either with us or another lender.

You might choose to refinance to secure a lower interest rate, adjust your loan terms or access equity in your property. This process involves paying off your existing loan with a new one, which may help you reduce your repayments, consolidate debt or fund property renovations.

A redraw facility is a loan feature that allows you to access extra payments you have made on top of your minimum required repayments.

You can redraw these additional funds if you need them. For example, to pay for renovations or to cover an unexpected expense.

To find out which of our loans offer a redraw facility, we recommend reviewing our Brochures and terms and conditions of use, where we outline the features on each of our loan options.

We also encourage you to read these alongside our Financial Services Guide and Privacy Policy when considering a loan.

Alternatively, if you’d like to talk through your options, please visit your local branch or call our Contact Centre on 1800 075 078.

The following daily redraw limits apply:

Personal Loans: $250 (Minimum) | $9,999 (Maximum)

Home Loans: $1,000 (Minimum) | $9,999 (Maximum)

Please note: These limits apply to redraw requests made within a single day, Terms and Conditions apply.

You can make a redraw by completing an internal transfer via Internet Banking or the Mobile App. A maximum permitted redraw amount of $9,999 per day applies.

If you need assistance, you can visit your local branch or call the Contact Centre on 1800 075 078.

Fees and charges may apply. Please refer to the Fees & Charges brochure for more information.

To discharge your mortgage, we’ll need you to complete a Security Release Authority form. This must be signed by all registered property owners and all loan account holders, including any Guarantors.

To get this process started, you can visit your local branch or call our Contact Centre on 1800 075 078.

If you’re considering refinancing your home loan to us, we’re here to help.

We recommend visiting your local branch to speak with one of our Lending Specialists. Alternatively, you can call our Contact Centre on 1800 075 078 for any initial enquiries or support.

If you’re considering moving your home loan, we recommend speaking with us first so we can understand your situation and explore options that may better suit your needs.

To do this, you can visit your local branch and speak with one of our Lending Specialists. Alternatively, please call our Contact Centre on 1800 075 078 for any initial enquiries or support.

If you need to redraw more than $9,999 in a single day, we can help you arrange this.

To get this process started, please visit your local branch or call our Contact Centre on 1800 075 078.

For redraw amounts above the daily limit, we’ll need you to complete a Loan Redraw Request Form, which must be signed by all borrowers and any guarantors on the loan.

All redraw requests are subject to approval by Queensland Country Bank Ltd.