Queensland Country Bank
Specialised Fixed I.O.
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.
Business loansBank updated 23 Sept 2026
At a glance
- Fixed
- 6.49%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $700
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedSpecialised Residential Loan - 1 Year Fixed Interest Only Rate. Available for lending up to 80% LVR. May be withdrawn at any time before a loan contract is entered into. | Interest only | 1 yr fixed | ≤80% LVR | 6.49% | — | — |
| FixedSpecialised Residential Loan - 2 Year Fixed Interest Only Rate. Available for lending up to 80% LVR. May be withdrawn at any time before a loan contract is entered into. | Interest only | 2 yrs fixed | ≤80% LVR | 6.49% | — | — |
| FixedSpecialised Residential Loan - 3 Year Fixed Interest Only Rate. Available for lending up to 80% LVR. May be withdrawn at any time before a loan contract is entered into. | Interest only | 3 yrs fixed | ≤80% LVR | 6.54% | — | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Letter - Default Notice prior to Enforcement | Event | $70 | — | — |
| Arrears Letter - Second Arrears Letter | Event | $40 | — | — |
| In Branch Redraw Fee | Event | $8 | — | Payable when redraw request is fulfilled. |
| Mortgage Settlement Fee | Event | $450 | — | Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds |
| Online Redraw Fee | Event | No fee | — | $0 Redraw Fee Applies for Online Transactions |
| Company Search Fee | Other | Varies | — | Price on Application |
| Loan Early Repayment Fee | Other | Varies | — | Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details. |
| Specialised Loan Fee | Periodic | $450 | Every 1 yr | Annual fee charged on loan funding and annually on anniversary of the commencement date. If multiple loans are held, member can nominate applicable loan to be charged. Another eligibility criteria exists as described in the additionalInfo field |
| Guarantee Document Fee | Upfront | $150 | — | Document Fee - Guarantee (charged when the Bank is required to prepare a guarantee to secure the amount of credit) |
| Rate Lock Fee | Upfront | $500 | — | Charged when opting to lock in an approved fixed rate, for a term of up to 90 days |
| Val Fee - PropertyHub | Upfront | $50 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · No establishment fee or mortgage documentation fee for any Specialised Residential Loan under the same entity.
- · Split Loan Available. Multiple loans with differing interest structures are available under the one Specialised Loan Fee
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $10,000 to no maximum
- · Maximum LVR 80%
§ 05 — Compare
§ 06 — Run the numbers
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Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.