---
title: "Home Loan-Variable Rate — Queensland Country Bank"
description: "Home Loans from Queensland Country Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/queensland-country-bank/products/28
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T04:00:24.1162450Z
---

# Home Loan-Variable Rate — Queensland Country Bank

> Home Loans from Queensland Country Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Our Standard Variable Rate Home Loan is a simple, easy to manage product that is equally suited to owner-occupiers, residential investors or even those purchasing a vacant block of land. Extra payments can be made with flexibility to redraw.

## At a glance

- **From:** 8.74% (8.89% comparison)

## Interest rates

### Any purpose — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Standard Variable Principal and Interest. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 8.74% | 8.89% | — |

### Any purpose — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Standard Variable Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 9.09% | 8.99% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Mortgage Establishment Fee | Upfront | $250.00 |
| Mortgage Document Fee | Upfront | $250.00 |
| Lenders Mortgage Insurance — Lenders Mortgage Insurance (LMI) may apply on loans if the Loan to Valuation Ratio (LVR) exceeds 80%. | Other | Variable |
| 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 | Event | $450.00 |
| Loan Maintenance Fee — Charged monthly | Ongoing | $10.00 |
| In Branch Redraw Fee — Redraw Fee Applies for Assisted Transactions | Event | $8.00 |
| Online Redraw Fee — $0 Redraw Fee Applies for Online Transactions | Event | $0.00 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Other Credit Fees — Refer to our Fees and Charges brochure for information on other fees and charges which may apply. | Other | Variable |
| Arrears Letter Fee - Second Arrears Letter | Event | $40.00 |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70.00 |

## Features

- **Digital banking**
- **Extra repayments** (No penalties for extra repayments on variable rate loans)
- **Offset account** (100% Mortgage Offset account available)
- **Payments can be arranged weekly, fortnightly or monthly.**
- **Loan Terms up to 30 Years.**
- **Redraw facility**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia.

## Constraints

- **Maximum LVR** — 9500%
- **Minimum LVR** — 0%

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/Banking/home-loans/variable-home-loans/standard-variable-rate-home-loan/)
- [Terms & conditions](https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf)
- [Fees & pricing](https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf)

## Data provenance

- Published by Queensland Country Bank under the Consumer Data Right
- Product ID: `28`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/28
- Provider page: https://www.cdrcompare.au/brands/queensland-country-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000123

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/queensland-country-bank/products/28) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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