---
title: "Specialised Variable I.O. — Queensland Country Bank"
description: "Business 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/78
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T18:00:23.8523387Z
---

# Specialised Variable I.O. — Queensland Country Bank

> Business 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.

**Business Loans**

Our Specialised Residential Loans are designed for purchase of residential property in company and company trustee entities, offering the flexibility and structure required to support tax-effective strategies and asset protection goals.

## At a glance

- **From:** 6.24% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Specialised Residential Loan - Variable IO Special. Available for lending up to 80% LVR.  May be withdrawn at any time before a loan contract is entered into.) | 6.24% | — | — |
| Variable (Specialised Residential Loan - Standard Variable IO. Available for lending up to 80% LVR.) | 9.09% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Guarantee Document Fee — Document Fee - Guarantee (charged when the Bank is required to prepare a guarantee to secure the amount of credit) | Upfront | $150.00 |
| Company Search Fee — Price on Application | 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 |
| In Branch Redraw Fee — Payable when redraw request is fulfilled. | Event | $8.00 |
| Online Redraw Fee — $0 Redraw Fee Applies for Online Transactions | Event | $0.00 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Specialised Loan Fee — Charged yearly · Annual fee charged on loan funding and annually on anniversary of the commencement date.  If multiple loans are held, member can nominate applicable loan to be charged. · Discount −100% of fee — Another eligibility criteria exists as described in the additionalInfo field (eligibility: Other: When multiple loans are held under the same entity, only 1 (one) Specialised Loan Fee is charged to the members nominated loan.) | Ongoing | $450.00 |
| Arrears Letter - Second Arrears Letter | Event | $40.00 |
| Arrears Letter - Default Notice prior to Enforcement | Event | $70.00 |

## Features

- **Discounts on other products** — Business Platinum or Business Basic Access monthly fee and Business Visa My Rewards Credit Card Annual Fee waived while holding a Specialised Residential Loan. 10% discount on home and contents insurance through our insurance partner for the first year.
- **Digital banking** (Account can be viewed in online banking and transfers into the account can be conducted.)
- **Extra repayments** (No penalties for extra repayments on variable rate loans)
- **Offset account** (One 100% Mortgage Offset account is available.)
- **No establishment fee or mortgage documentation fee for any Specialised Residential Loan under the same entity.**
- **Split Loan Available. Multiple loans with differing interest structures are available under the one Specialised Loan Fee**
- **Redraw facility** (Available on request in branch.)

## Eligibility

- **Business customers** (Only available to company or company trustee entity types.)
- **Available for construction purposed to approved applicants for a maximum 24 month term.**

## Constraints

- **Maximum LVR** — 8000% (Maximum loan to valuation ratio of 80%.)
- **Minimum limit** — $10,000.00 (Minimum loan amount of $10,000.00.)

## Bundles

- **ProductOwned-Package 1** — Specialised Home Loan Waivers

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/business-banking/business-finance/specialised-residential-loans)
- [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: `78`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/78
- 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/78) — 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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