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Finally. Your own!

Owner Occupied Special Variable Package (<95%)^

Interest rate from

5.89
%
p.a.

Comparison rate1*

6.24
%
p.a.
Apply online

Buy your home with as little as a 5% deposit.

At Queensland Country Bank, we’re not just another bank - we’re your neighbours. Proudly supporting locals since 1971, we’re here for every Queenslander. Whether you’re stepping onto the property ladder for the first time, upgrading to your next home, or looking to refinance and make your money work smarter, our approach is simple and straightforward: a better way to bank, right here in your community.
 
 
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Discounted Variable Interest Rate
 
 
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Package together your banking
 
 
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No establishment fee
 
 

 

Choose Your Journey

First Home 
Step confidently into home ownership with the First Home Guarantee.* Spots are now open, and with support up to 95% of your property’s value, you could get that essential boost to finally call it your own. Visit the First Home Hub for more resources.
 
Next Home
Ready for a change? Our local Queensland lending team understands the Queensland market. Whether it’s a growing family or a change of scenery, we’re here to help you secure your next home with confidence.
 
Refinance
Want to make your money work smarter? Our flexible variable rate home loans let you capitalise on market shifts. With unlimited extra repayments, you’re in control.
 

Your Journey Starts Here

Branch Manager Libby Zollner

Speak to a Lending Specialist

Package Features & Benefits

Featuring our lowest variable rate, the Ultimate Home Loan Package (Variable) bundles together a range of discounts and benefits.

✔ Choose weekly, fortnightly or monthly repayments
✔ Make extra repayments without penalty
✔ Redraw facility
✔ 100% mortgage offset (for owner-occupied and investment loans)
✔ $0 annual facility fee on Visa credit card (saving $39 a year)
✔ $0 annual facility fee on Visa My Rewards credit card (saving $89 a year)
✔ No establishment, document, or monthly loan maintenance fees!
✔ 10% discount for the first 12 months on CGU home and contents insurance

See the full list of features of the Ultimate Home Loan Package (Variable). Annual package fee of $395 applies along with other fees and charges.

What Makes Us Different?

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Local Expertise

Our Queensland lending team are not faceless advisors. They’re your friendly neighbours - people who know the local Queensland market well. 

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Flexible Home Loans

Enjoy competitive variable rates, plus the freedom to make extra repayments whenever you can. Your home loan adapts with you.

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Community Trust & Recognition

Proudly recognised as the WeMoney Customer Owned Bank of the Year 2024, our genuine service is built on trust and personal connections. 

 

The comments shown above are a selection of 5 star reviews about Queensland Country Bank submitted by our Members on ProductReview.com.au. View all reviews.

Ready to get started?

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The fine print

*Check your eligibility criteria - limited spots available. Visit housingaustralia.gov.au/support-buy-home/eligibility-tool for details.

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.

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.

1 Comparison Rate cacluated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

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; Loan Interest Rate Schedule; and Credit Guide.

Rates and fees effective: 16th January 2025