Business Lending

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.

* For new lending only. Not available for restructuring of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.

^# 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: 30^th September 2026