Ultimate Home Loan Package (Variable) for Investors
| Product | Principal and Interest | Interest Only |
|---|---|---|
| Special Variable Package Rate (<80%) (Residential Investment) | 6.09 Interest rate 6.44*1Comparison rate | 6.09 Interest rate 6.42*1Comparison rate |
| Special Variable Package Rate (>80%) (Residential Investment) | 6.09 Interest rate 6.44* 1Comparison rate | 6.09 Interest rate 6.42* 1Comparison rate |
| Standard Ultimate Home Loan Package | 8.24 Interest rate 8.56* 1Comparison rate | 8.59 Interest rate 8.65* 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 |
Ultimate Home Loan Package (Line of Credit) for Investors
| Product | Principal & Interest |
|---|---|
| Discount Package Line of Credit | 8.69 Interest rate |
| Fees | |
|---|---|
| Annual package fee | $395 |
Ultimate Home Loan Package (Fixed) for Investors
| 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 |
| 1 Year Fixed Package (<80%)⁴ | 6.09 Interest rate 8.32*^1Comparison rate | 6.29 Interest rate 8.34*^1Comparison rate |
| 2 Year Fixed Package (<80%)⁴ | 5.89 Interest rate 8.06*^1Comparison rate | 6.09 Interest rate 8.10*^1Comparison rate |
| 3 Year Fixed Package (<80%)⁴ | 5.89 Interest rate 7.86*^1Comparison rate | 6.09 Interest rate 7.91*^1Comparison rate |
| 1 Year Fixed Package (>80%)⁴ | 6.29 Interest rate 8.34*^1Comparison rate | 6.49 Interest rate 8.36*^1Comparison rate |
| 2 Year Fixed Package (>80%)⁴ | 6.09 Interest rate 8.11*^1Comparison rate | 6.29 Interest rate 8.14*^1Comparison rate |
| 3 Year Fixed Package (>80%)⁴ | 6.09 Interest rate 7.92*^1Comparison rate | 6.29 Interest rate 7.97*^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 |
Fixed Rate Home Loan for Investors
| New Loan Rates | Principal and Interest | Interest Only |
|---|---|---|
| 1 Year Fixed Rate (<80%) | 6.24 Interest rate 8.60*1Comparison rate | 6.44 Interest rate 8.62*1Comparison rate |
| 2 Year Fixed Rate (<80%) | 6.04 Interest rate 8.30*1Comparison rate | 6.24 Interest rate 8.35*1Comparison rate |
| 3 Year Fixed Rate (<80%) | 6.04 Interest rate 8.06*1Comparison rate | 6.24 Interest rate 8.13*1Comparison rate |
| 1 Year Fixed Rate (>80%) | 6.44 Interest rate 8.62*1Comparison rate | 6.64 Interest rate 8.64*1Comparison rate |
| 2 Year Fixed Rate (>80%) | 6.24 Interest rate 8.35*1Comparison rate | 6.44 Interest rate 8.39*1Comparison rate |
| 3 Year Fixed Rate (>80%) | 6.24 Interest rate 8.12*1Comparison rate | 6.44 Interest rate 8.19*1Comparison rate |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10 / Per Month |
Standard Variable Rate Home Loan for Investors
| Product | Principal & Interest | Interest only |
|---|---|---|
| Standard Variable Rate Loan | 8.74 Interest rate 8.88*1Comparison rate | 9.09 Interest rate 8.99*1Comparison rate |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10/month |
Home Equity Loan for Investors
| Product | Principal and Interest | Interest only |
|---|---|---|
| Home Equity Loan | 8.24 Interest rate 9.29*1Comparison rate | N/A |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Loan maintenance fee | $10/month |
Line of Credit for Investors
| Product | Interest Rate |
|---|---|
| Line of Credit | 9.19 Interest rate |
| Fees | |
|---|---|
| Establishment fee | $250 |
| Document fee | $250 |
| Annual fee | $100 |
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.
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 residential 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.
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.
1 Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.
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: 16th January 2025