Queensland Country BankHome 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.
At a glance
- Variable (owner occ. P&I)
- 8.99%9.14% comparison
- Variable (investor P&I)
- 8.99%
- Max LVR
- 95%
- Annual fee
- $120
- 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 | 8.99% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 103rd lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 8.99% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 103rd lowest of 104 |
Rates
Every rate Queensland Country Bank publishes for this home loan, 2 in all.
| 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 | - | - | 9.34% | 9.24% | - |
| 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 | - | - | 8.99% | 9.14% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Interest only | 9.09% | 9.34% | up 0.25 |
| 15 Oct 2026 | Variable, P&I | 8.74% | 8.99% | 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
11 fees published, grouped by when they're charged.
- When you take it outUp to $2503 fees, each listed below
- While you hold it$10 a monthLoan Maintenance Fee
- When you close it or pay it offNo fee published
When you take it out3
- Mortgage Document Fee$250
- Mortgage Establishment Fee$250
- Val Fee - PropertyHub$50
While you hold it1
- Loan Maintenance Fee$10 a month
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 charges which may apply.
Varies
Features
- Payments can be arranged weekly, fortnightly or monthly.
- Loan Terms up to 30 Years.
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
- 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.