Queensland Country Bank
Home Loan-Variable Rate
Our Standard Variable Rate Home Loan is a simple, easy to manage product that is equally suited to owner-occupiers, residential investors or even those purchasing a vacant block of land. Extra payments can be made with flexibility to redraw.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 8.74% · 8.89% comparison
- Variable (investor P&I)
- 8.74%
- Max LVR
- 95%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableStandard Variable Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | — | — | 9.09% | 8.99% | — |
| VariableStandard Variable Principal and Interest. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | — | — | 8.74% | 8.89% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70 | — | — |
| Arrears Letter Fee - Second Arrears Letter | Event | $40 | — | — |
| In Branch Redraw Fee | Event | $8 | — | Redraw Fee Applies for Assisted Transactions |
| 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 |
| Lenders Mortgage Insurance | Other | Varies | — | Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%. |
| Other Credit Fees | Other | Varies | — | Refer to our Fees and Charges brochure for information on other fees and charges which may apply. |
| Loan Maintenance Fee | Periodic | $10 | Every 1 mo | — |
| Mortgage Document Fee | Upfront | $250 | — | — |
| Mortgage Establishment Fee | Upfront | $250 | — | — |
| Val Fee - PropertyHub | Upfront | $50 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · Payments can be arranged weekly, fortnightly or monthly.
- · Loan Terms up to 30 Years.
§ 04 — Eligibility & 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
- · Maximum LVR 95%
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
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.