Discounted fixed interest rate
Package together your banking
No establishment or mortgage document fee

Featuring our lowest fixed rate, the Ultimate Home Loan Package (Fixed) locks in an interest rate for up to three years and bundles together a range of discounts and benefits.

Features

  • Choose weekly, fortnightly or monthly repayments
  • Make extra repayments up to an extra $10,000 per year in addition to your contracted repayments
  • 100% mortgage offset
  • Redraw facility

Package benefits

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Rates & Fees

Product Principal and Interest Interest only
Special 2 Year Fixed Package Rate <80% ² 5.79 Interest rate 6.66* ^ 1Comparison rate 5.79 Interest rate 6.65* ^ 1Comparison rate
Special 1 Year Fixed Package Rate (<80%) ² 6.09 Interest rate 6.75* ^ 1Comparison rate 6.09 Interest rate 6.74* ^ 1Comparison rate
Special 1 Year Fixed Package Rate (>80%) ³ 6.29 Interest rate 6.94* ^ 1Comparison rate 6.29 Interest rate 6.94* ^ 1Comparison rate
Special 2 Year Fixed Package Rate >80% ³ 5.99 Interest rate 6.85* ^ 1Comparison rate 5.99 Interest rate 6.84* ^ 1Comparison rate
Fees
Annual package fee $395
Establishment fee Fee waived under package
Monthly fee Fee waived under package
Document fee Fee waived under package

Interest rate from

5.79 Percent per annum

Comparison rate from

6.66 Percent per annum * ^ 1

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The fine print

Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.

Fixed Rate Loan Expiry: Unless otherwise stated all fixed rate loans revert to the relevant Standard Variable Rate (Principal & Interest or Interest Only, as applicable) upon expiry of the fixed rate period.

Lenders Mortgage Insurance (LMI): Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%.

Standard Residential Security: All home and investment loan interest rates quoted apply only where standard residential security is provided, please refer to a Queensland Country Bank Specialist for further information.

Loan to Value Ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value.

^ To be eligible for the Ultimate Home Loan Package you must have a total loan amount of at least $100,000.

* For new lending of at least $100,000 only. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into.

2 Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.3% discount off the Standard Variable Rate

3 Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.1% discount off the Standard Variable Rate

4 Following fixed rate expiry, the loan will revert to a variable interest rate with a 0.5% discount off the Standard Variable Rate

WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available at any of our branches.

Before acquiring the product, the information above should be read in conjunction with the following documents to determine if the product is right for you: Target Market Determination; Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Investment Loan Interest Rate Schedule; and Credit Guide.

Rates and fees effective: 12th December 2024

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Home loan key fact sheets

Queensland Country Bank, like all lending institutions, offers a Home Loan Key Facts Sheet to help you compare home loans in the market.

Home Loan Key Facts Sheets provide information about our loan products in a set standard format so it is easier for you to shop around and compare our loan products with those of other lenders (i.e. to compare apples with apples). The Home Loan Key Facts Sheet is one of a number of initiatives of the Government’s Fairer and Simpler Banking reforms.

Please click on the link to generate a Home Loan Key Facts Sheet which you can then choose to print or receive by email.

Home Loan Key Facts Sheets

A home loan facts sheet is not an offer of credit. Queensland Country Bank is not obliged to provide you with the home loan described in the home loan facts sheet, you still need to apply for the loan and meet the lending criteria.

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