Queensland Country Bank
Home 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.
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.29% · 2 yrs 6.19% · 3 yrs 6.34%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 16
| 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 | 6.49% | 6.70% | — |
| 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 | 6.69% | 6.72% | — |
| 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 | 6.39% | 6.36% | — |
| 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 | 6.49% | 6.71% | — |
| 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 | 6.59% | 6.40% | — |
| 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 | 6.69% | 6.75% | — |
| 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 | 6.54% | 6.73% | — |
| 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 | 6.74% | 6.79% | — |
| 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 | 6.29% | 6.69% | — |
| 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 | 6.49% | 6.71% | — |
| 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 | 6.19% | 6.32% | — |
| 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 | 6.29% | 6.68% | — |
| 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 | 6.39% | 6.36% | — |
| 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 | 6.49% | 6.72% | — |
| 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 | 6.34% | 6.69% | — |
| 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 | 6.54% | 6.75% | — |
§ 02 — Fees · 11
| 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 |
| 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 charged which may apply. |
| Package Fee | Periodic | $395 | Every 1 yr | 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 |
| Val Fee - PropertyHub | Upfront | $50 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · 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
§ 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
- · Amount $100,000 to no maximum
- · Maximum LVR 95%
§ 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.