Queensland Country Bank
Home Equity Loan
Our Home Equity Loan allows you to fund home improvements, renovations, purchase a car or for another worthwhile need, by borrowing against the equity in your existing residential property.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 8.24% · 9.72% comparison
- Variable (investor P&I)
- 8.24%
- Max LVR
- 90%
- Annual fee
- $120
- Features
- extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | — | — | 8.24% | 9.72% | — |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70 | — | — |
| Arrears Letter Fee - Second Arrears Letter | Event | $40 | — | — |
| 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 |
| 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 | — |
| Document Fee | Upfront | $250 | — | — |
| Establishment Fee | Upfront | $250 | — | — |
| Val Fee - PropertyHub | Upfront | $50 | — | — |
§ 03 — Features
Extra repaymentsDigital banking
- · Payments can be arranged weekly, fortnightly or monthly.
- · Loan Terms up to 10 Years.
- · Available for owner-occupied and investment loans.
§ 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 90%
§ 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.