Queensland Country BankHome Loan-Package
Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.
At a glance
- Variable (owner occ. P&I)
- 6.24%6.25% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.24% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 25th lowest of 104, level with 6 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.44% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 17th lowest of 104, level with 7 others |
Rates
Every rate Queensland Country Bank publishes for this home loan, 10 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤80%6.24%
- 80–95%6.44%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableStandard Ultimate Home Loan Package - Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | - | - | 8.84% | 8.91% | - |
| VariableStandard Ultimate Home Loan Package. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | - | - | 8.49% | 8.81% | - |
| VariableSpecial Variable Package Rate (<80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into… | Investment, Interest only | - | ≤80% LVR | 6.44% | 6.45% | - |
| VariableSpecial Variable Package Rate (>80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into… | Investment, Interest only | - | 80–95% LVR | 6.64% | 6.65% | - |
| VariableSpecial Variable Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison… | Investment, P&I | - | ≤80% LVR | 6.44% | 6.45% | - |
| VariableSpecial Variable Package Rate (>80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison… | Investment, P&I | - | 80–95% LVR | 6.64% | 6.65% | - |
| VariableSpecial Variable Package Rate (<80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into… | Owner occupied, Interest only | - | ≤80% LVR | 6.24% | 6.25% | - |
| VariableSpecial Variable Package Rate (>80%) - Interest Only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into… | Owner occupied, Interest only | - | 80–95% LVR | 6.44% | 6.45% | - |
| VariableSpecial Variable Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison… | Owner occupied, P&I | - | ≤80% LVR | 6.24% | 6.25% | - |
| VariableSpecial Variable Package Rate (>80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison… | Owner occupied, P&I | - | 80–95% LVR | 6.44% | 6.45% | - |
Rate changes
10 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Interest only | 8.59% | 8.84% | up 0.25 |
| 15 Oct 2026 | Variable, P&I | 8.24% | 8.49% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, Interest only, ≤80% LVR | 6.19% | 6.44% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, Interest only, 80–95% LVR | 6.39% | 6.64% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, P&I, ≤80% LVR | 6.19% | 6.44% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, P&I, 80–95% LVR | 6.39% | 6.64% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, Interest only, ≤80% LVR | 5.99% | 6.24% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, Interest only, 80–95% LVR | 6.19% | 6.44% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, ≤80% LVR | 5.99% | 6.24% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 80–95% LVR | 6.19% | 6.44% | up 0.25 |
Each change is logged the night it appears in the rates Queensland Country Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
9 fees published, grouped by when they're charged.
- When you take it out$50Val Fee - PropertyHub
- While you hold it$395 a yearPackage Fee
- When you close it or pay it offNo fee published
When you take it out1
- Val Fee - PropertyHub$50
While you hold it1
- Package Fee
Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nomi… Ultimate Home Loan Package Special Rate Package Fee Discount
$395 a year
When particular things happen5
- Arrears Letter Fee - Default Notice prior to Enforcement$70
- Arrears Letter Fee - Second Arrears Letter$40
- In Branch Redraw Fee
Redraw Fee Applies for Assisted Transactions
$8 - Mortgage Settlement Fee
Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds
$450 - Online Redraw Fee
$0 Redraw Fee Applies for Online Transactions
No fee
Other fees2
- Lenders Mortgage Insurance
Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.
Varies - Other Credit Fees
Refer to our Fees and Charges brochure for information on other fees and charged which may apply.
Varies
Features
- Discounted variable or fixed interest rate owner-occupied loans
- Payments can be arranged weekly, fortnightly or monthly.
- Loan Terms up to 30 Years.
- Split Loan Available. Multiple owner-occupied and residential investment home loans are available under the one package fee
Eligibility and limits
- Minimum age 18
- Residency: Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia.
- Available to individuals
- Amount from $100,000, no maximum
- Maximum LVR 95%
Compare it with others
Put this product through a calculator
Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 15 Oct 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.