Queensland Country BankHome 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.
At a glance
- Fixed
- 1 yr 6.64%, 2 yrs 6.64%, 3 yrs 6.64%
- 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 |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 42nd lowest of 82, level with 3 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 42nd lowest of 84, level with 2 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 32nd lowest of 80, level with 3 others |
Rates
Every rate Queensland Country Bank publishes for this home loan, 12 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.64%
- 2 yrs fixedtypical 6.62%6.64%
- 3 yrs fixedtypical 6.69%6.64%
| 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 | 6.84% | 8.89% | - |
| 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 | 7.04% | 8.91% | - |
| 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 | 6.84% | 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 | 80–95% LVR | 7.04% | 8.71% | - |
| 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 | 6.84% | 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 | 80–95% LVR | 7.04% | 8.54% | - |
| 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 | 6.64% | 8.87% | - |
| 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 | 6.84% | 8.89% | - |
| 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 | 6.64% | 8.63% | - |
| 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 | 6.84% | 8.67% | - |
| 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 | 6.64% | 8.41% | - |
| 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 | 6.84% | 8.47% | - |
Rate changes
12 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 1 Oct 2026 | Fixed, Interest only, 1 yr fixed, ≤80% LVR | 6.64% | 6.84% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 1 yr fixed, 80–95% LVR | 6.84% | 7.04% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 2 yrs fixed, ≤80% LVR | 6.64% | 6.84% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 2 yrs fixed, 80–95% LVR | 6.84% | 7.04% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 3 yrs fixed, ≤80% LVR | 6.69% | 6.84% | up 0.15 |
| 1 Oct 2026 | Fixed, Interest only, 3 yrs fixed, 80–95% LVR | 6.89% | 7.04% | up 0.15 |
| 1 Oct 2026 | Fixed, P&I, 1 yr fixed, ≤80% LVR | 6.44% | 6.64% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 1 yr fixed, 80–95% LVR | 6.64% | 6.84% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 2 yrs fixed, ≤80% LVR | 6.44% | 6.64% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 2 yrs fixed, 80–95% LVR | 6.64% | 6.84% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 3 yrs fixed, ≤80% LVR | 6.49% | 6.64% | up 0.15 |
| 1 Oct 2026 | Fixed, P&I, 3 yrs fixed, 80–95% LVR | 6.69% | 6.84% | up 0.15 |
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
14 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 happen7
- 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 - Rate Lock Fee
Charged when opting to lock in an approved fixed rate, for a term of up to 90 days.
$500 - Switch Fee
Payable if you convert your existing loan to another interest category
$300
Other fees3
- Early Repayment Fee
Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details.
Varies - 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%
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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.