Home Loan-Package Fixed Rate
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.
- 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% | 0–0.8% |
| Fixed |
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.
| 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 |
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
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 — $100,000.00Available where total borrowings from the Bank are $100,000 and over.
- Minimum LVR — 0%
More Information
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 81 · View on CDR.gov.au