Queensland Country Bank
Home Loan-Fixed
Our Fixed Rate Home Loan provides you with the best of both worlds, a fixed rate and the full range of home loan benefits including a 100% offset account. A fixed rate loan gives you certainty of what your regular repayment will be for up to 3 years.
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.44% · 2 yrs 6.44% · 3 yrs 6.49%
- Max LVR
- 95%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 12
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 1 yr fixed | ≤80% LVR | 6.64% | 8.65% | — |
| Fixed1 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 1 yr fixed | 80–95% LVR | 6.84% | 8.67% | — |
| Fixed2 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 2 yrs fixed | ≤80% LVR | 6.64% | 8.44% | — |
| Fixed2 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 2 yrs fixed | 80–95% LVR | 6.84% | 8.48% | — |
| Fixed3 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 3 yrs fixed | ≤80% LVR | 6.69% | 8.27% | — |
| Fixed3 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | Interest only | 3 yrs fixed | 80–95% LVR | 6.89% | 8.32% | — |
| Fixed1 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 1 yr fixed | ≤80% LVR | 6.44% | 8.62% | — |
| Fixed1 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 1 yr fixed | 80–95% LVR | 6.64% | 8.65% | — |
| Fixed2 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 2 yrs fixed | ≤80% LVR | 6.44% | 8.39% | — |
| Fixed2 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 2 yrs fixed | 80–95% LVR | 6.64% | 8.43% | — |
| Fixed3 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 3 yrs fixed | ≤80% LVR | 6.49% | 8.20% | — |
| Fixed3 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | P&I | 3 yrs fixed | 80–95% LVR | 6.69% | 8.26% | — |
§ 02 — Fees · 14
| 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 |
| Rate Lock Fee | Event | $500 | — | Charged when opting to lock in an approved fixed rate, for a term of up to 90 days. |
| Switch Fee | Event | $300 | — | Payable if you convert your existing loan to another interest category |
| Early Repayment Fee | Other | Varies | — | Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details. |
| 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.