Home Loan-Fixed
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.
- 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% | 0–0.8% |
| 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% | 0–0.8% |
| 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% | 0–0.8% |
| 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% | 0.800001–0.95% |
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 |
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
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 30 · View on CDR.gov.au