---
title: "Home Loan-Package Fixed Rate — 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/81
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T18:00:23.8523387Z
---

# Home Loan-Package Fixed Rate — 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 Ultimate Home Loan Package bundles together your home loan, an everyday account & our low rate credit card. Establishment fee waivers on personal loans, no annual fee on a visa credit card, access to discounted general insurance under our package.

## At a glance

- **From:** 5.99% (6.62% comparison)

## Interest rates

### Any purpose — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Special 2 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 5.99% | 6.62% | Special 2 Year Fixed Rate Package Loan (<80%) P&I |
| Fixed · 2 years (Special 2 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.19% | 6.66% | Special 2 Year Fixed Rate Package Loan (>80%) P&I |
| Fixed · 1 year (1 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.29% | 6.69% | 1 Year Fixed Rate Package Loan (<80%) P&I |
| Fixed · 2 years (2 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.29% | 6.68% | 2 Year Fixed Rate Package Loan (<80%) P&I |
| Fixed · 3 years (3 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.34% | 6.69% | 3 Year Fixed Rate Package Loan (<80%) P&I |
| Fixed · 1 year (1 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.49% | 6.71% | 1 Year Fixed Rate Package Loan (>80%) P&I |
| Fixed · 2 years (2 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.49% | 6.72% | 2 Year Fixed Rate Package Loan (>80%) P&I |
| Fixed · 3 years (3 Year Fixed Rate Package Rate (>80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.54% | 6.75% | 3 Year Fixed Rate Package Loan (>80%) P&I |

### Any purpose — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Special 2 Year Fixed Rate Package Rate (<80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.19% | 6.65% | Special 2 Year Fixed Rate Package Loan (<80%) IO |
| Fixed · 2 years (Special 2 Year Fixed Rate Package Rate (>80%) IO. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.39% | 6.69% | Special 2 Year Fixed Rate Package Loan (>80%) IO |
| Fixed · 1 year (1 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.49% | 6.7% | 1 Year Fixed Rate Package Loan (<80%) IO |
| Fixed · 2 years (2 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.49% | 6.71% | 2 Year Fixed Rate Package Loan (<80%) IO |
| Fixed · 3 years (3 Year Fixed Rate Package Rate (<80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.54% | 6.73% | 3 Year Fixed Rate Package Loan (<80%) IO |
| Fixed · 1 year (1 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.69% | 6.72% | 1 Year Fixed Rate Package Loan (>80%) IO |
| Fixed · 2 years (2 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.69% | 6.75% | 2 Year Fixed Rate Package Loan (>80%) IO |
| Fixed · 3 years (3 Year Fixed Rate Package Rate (>80%) Interest Only. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.) | 6.74% | 6.79% | 3 Year Fixed Rate Package Loan (>80%) IO |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Package Fee — Charged yearly · Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date.  If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged. · Discount −100% of fee — Ultimate Home Loan Package (eligibility: Other: When multiple loans are held under the Ultimate Home Loan Package, only 1 (one) package fee is charged to the members nominated loan.) | Ongoing | $395.00 |
| 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 |
| 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 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Other Credit Fees — Refer to our Fees and Charges brochure for information on other fees and charged 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 |
| Rate Lock Fee — Charged when opting to lock in an approved fixed rate, for a term of up to 90 days | Event | $500.00 |

## Features

- **Discounts on other products** — Up to 10% discount for the first 12 months on CGU home and contents insurance.
- **Discounts on other products** — Home Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
- **Discounts on other products** — Personal Loan Establishment fee waived whilst an Ultimate Home Loan Package is held.
- **Discounts on other products** — No annual fee on Visa credit card and Visa My Rewards
- **Digital banking**
- **Extra repayments** (Fixed loans have the ability to make additional repayments not exceeding $10,000 per year in addition to your contracted repayments)
- **Offset account** (100% Mortgage Offset account available)
- **Discounted fixed interest rate loans**
- **Payments can be arranged weekly, fortnightly or monthly.**
- **Loan Terms up to 30 Years.**
- **Split Loan Available. Multiple owner-occupied and residential investment home loans are available under the one package fee**
- **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 limit** — $100,000.00 (Available where total borrowings from the Bank are $100,000 and over.)
- **Minimum LVR** — 0%

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/banking/)
- [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: `81`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/81
- 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/81) — 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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