--- title: "Home Loan-Fixed — 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/30 source: "CDR Compare" language: en-AU last_updated: 2026-08-29T00:00:25.4733289Z --- # Home Loan-Fixed — 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 Fixed Rate Home Loan provides you with the best of both worlds, a fixed rate and the full range of home loan benefits including a 100% offset account. A fixed rate loan gives you certainty of what your regular repayment will be for up to 3 years. ## At a glance - **From:** 6.44% (8.62% comparison) ## Interest rates ### Any purpose — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (1 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.44% | 8.62% | 1 Year Fixed Rate Loan (<80%) P&I | | Fixed · 2 years (2 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.44% | 8.39% | 2 Year Fixed Rate Loan (<80%) P&I | | Fixed · 3 years (3 Year Fixed Rate Loan (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.49% | 8.2% | 3 Year Fixed Rate Loan (<80%) P&I | | Fixed · 1 year (1 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.64% | 8.65% | 1 Year Fixed Rate Loan (>80%) P&I | | Fixed · 2 years (2 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.64% | 8.43% | 2 Year Fixed Rate Loan (>80%) P&I | | Fixed · 3 years (3 Year Fixed Rate Loan (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.69% | 8.26% | 3 Year Fixed Rate Loan (>80%) P&I | ### Any purpose — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (1 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.64% | 8.65% | 1 Year Fixed Rate Loan (<80%) IO | | Fixed · 2 years (2 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.64% | 8.44% | 2 Year Fixed Rate Loan (<80%) IO | | Fixed · 3 years (3 Year Fixed Rate Loan (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.69% | 8.27% | 3 Year Fixed Rate Loan (<80%) IO | | Fixed · 1 year (1 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.84% | 8.67% | 1 Year Fixed Rate Loan (>80%) IO | | Fixed · 2 years (2 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.84% | 8.48% | 2 Year Fixed Rate Loan (>80%) IO | | Fixed · 3 years (3 Year Fixed Rate Loan (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.) | 6.89% | 8.32% | 3 Year Fixed Rate Loan (>80%) IO | ## 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 | | Switch Fee — Payable if you convert your existing loan to another interest category | Event | $300.00 | | 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 | | Rate Lock Fee — Charged when opting to lock in an approved fixed rate, for a term of up to 90 days. | Event | $500.00 | | 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 | | Early Repayment Fee — Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details. | Other | Variable | ## Features - **Digital banking** - **Extra repayments** (Ability to make additional repayments not exceeding $10,000 per year in addition to your contracted repayments) - **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/fixed-home-loans/fixed-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: `30` - Last updated by the provider: 29 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/30 - 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/30) — product data published by Australian data holders under the Consumer Data Right. 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