Specialised Variable I.O.
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.
- 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 May be withdrawn at any time before a loan contract is entered into.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. |
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
Eligibility
- Business customersOnly 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 — $10,000.00Minimum loan amount of $10,000.00.
Bundles
ProductOwned-Package 1
Specialised Home Loan Waivers
More Information
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 78 · View on CDR.gov.au