Queensland Country BankHome Loan-Package Fixed Rate
Our Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.
At a glance
- Fixed
- 1 yr 6.49%, 2 yrs 6.29%, 3 yrs 6.49%
- Max LVR
- 95%
- Annual fee
- $395
- 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 | 6.49% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 22nd lowest of 82, level with 7 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.29% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 4th lowest of 84, level with one other |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 15th lowest of 80, level with 5 others |
Rates
Every rate Queensland Country Bank publishes for this home loan, 16 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.49%
- 2 yrs fixedtypical 6.62%6.29%
- 3 yrs fixedtypical 6.69%6.49%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 1 yr fixed | ≤80% LVR | 6.69% | 6.94% | - |
| Fixed1 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 1 yr fixed | 80–95% LVR | 6.89% | 6.96% | - |
| FixedSpecial 2 Year Fixed Rate Package Rate (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will… | Interest only | 2 yrs fixed | ≤80% LVR | 6.49% | 6.58% | - |
| Fixed2 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 2 yrs fixed | ≤80% LVR | 6.69% | 6.95% | - |
| FixedSpecial 2 Year Fixed Rate Package Rate (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will… | Interest only | 2 yrs fixed | 80–95% LVR | 6.69% | 6.62% | - |
| Fixed2 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 2 yrs fixed | 80–95% LVR | 6.89% | 6.99% | - |
| Fixed3 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 3 yrs fixed | ≤80% LVR | 6.69% | 6.95% | - |
| Fixed3 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan wi… | Interest only | 3 yrs fixed | 80–95% LVR | 6.89% | 7.01% | - |
| Fixed1 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 1 yr fixed | ≤80% LVR | 6.49% | 6.93% | - |
| Fixed1 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 1 yr fixed | 80–95% LVR | 6.69% | 6.95% | - |
| FixedSpecial 2 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will… | P&I | 2 yrs fixed | ≤80% LVR | 6.29% | 6.54% | - |
| Fixed2 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 2 yrs fixed | ≤80% LVR | 6.49% | 6.92% | - |
| FixedSpecial 2 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will… | P&I | 2 yrs fixed | 80–95% LVR | 6.49% | 6.58% | - |
| Fixed2 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 2 yrs fixed | 80–95% LVR | 6.69% | 6.96% | - |
| Fixed3 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 3 yrs fixed | ≤80% LVR | 6.49% | 6.91% | - |
| Fixed3 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert… | P&I | 3 yrs fixed | 80–95% LVR | 6.69% | 6.96% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 1 Oct 2026 | Fixed, Interest only, 1 yr fixed, ≤80% LVR | 6.49% | 6.69% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 1 yr fixed, 80–95% LVR | 6.69% | 6.89% | up 0.20 |
| 1 Oct 2026 | Fixed, Interest only, 3 yrs fixed, ≤80% LVR | 6.54% | 6.69% | up 0.15 |
| 1 Oct 2026 | Fixed, Interest only, 3 yrs fixed, 80–95% LVR | 6.74% | 6.89% | up 0.15 |
| 1 Oct 2026 | Fixed, P&I, 1 yr fixed, ≤80% LVR | 6.29% | 6.49% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 1 yr fixed, 80–95% LVR | 6.49% | 6.69% | up 0.20 |
| 1 Oct 2026 | Fixed, P&I, 3 yrs fixed, ≤80% LVR | 6.34% | 6.49% | up 0.15 |
| 1 Oct 2026 | Fixed, P&I, 3 yrs fixed, 80–95% LVR | 6.54% | 6.69% | 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
11 fees published, grouped by when they're charged.
- When you take it out$50Val Fee - PropertyHub
- While you hold it$395 a yearPackage Fee
- When you close it or pay it offNo fee published
When you take it out1
- Val Fee - PropertyHub$50
While you hold it1
- Package Fee
Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nomi… Ultimate Home Loan Package Special Rate Package Fee Discount
$395 a year
When particular things happen6
- 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
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 charged which may apply.
Varies
Features
- Discounted fixed interest rate loans
- Payments can be arranged weekly, fortnightly or monthly.
- Loan Terms up to 30 Years.
- Split Loan Available. Multiple owner-occupied and residential investment home loans are available under the one package fee
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
- Amount from $100,000, no maximum
- 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.