Home Equity Loan
Our Home Equity Loan allows you to fund home improvements, renovations, purchase a car or for another worthwhile need, by borrowing against the equity in your existing residential property.
- From
- 8.24%
- 9.72% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. | 8.24% | 9.72% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $250.00 |
| 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 |
| 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 |
Features
- Digital banking
- Extra repayments
- No penalties for extra repayments
- Payments can be arranged weekly, fortnightly or monthly.
- Loan Terms up to 10 Years.
- Available for owner-occupied and investment loans.
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 — 9000%
- Minimum LVR — 0%
More Information
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 29 · View on CDR.gov.au