Interest
5.99%p.a.
Comparison*
Not available
Est. repayment
$2,995
LVR ≤80%
Queensland Country Bank Home Loan Rates
Tracked products
77
Lowest variable (interest-only)
5.99%
Lowest fixed (investment)
5.99%
Lowest comparison
6.24%
Last updated
11 Sept 2026
Queensland Country Bank is one of the Australian home-loan lenders we track daily. We currently surface 77 active products from Queensland Country Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Queensland Country Bank home loan rates?
Queensland Country Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 5.99% p.a., checked daily (last verified 11 Sept 2026). Compare Queensland Country Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Queensland Country Bank home loan rate?
The lowest Queensland Country Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 5.99% p.a. These figures come from the 44 Queensland Country Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Queensland Country Bank offer?
Ratesniffers currently tracks 77 Queensland Country Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 44 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Queensland Country Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier interest-only | 5.99% p.a. | n/a | 80% |
| Variable Investor interest-only | 6.19% p.a. | n/a | 80% |
| Variable Owner-occupier interest-only | 6.19% p.a. | n/a | 95% |
| Fixed 2-year Investor interest-only | 6.19% p.a. | n/a | 80% |
| Fixed 2-year Owner-occupier interest-only | 6.19% p.a. | n/a | 80% |
| Fixed 2-year Investor P&I | 5.99% p.a. | 6.24% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 5.99% p.a. | 6.24% p.a. | 80% |
| Fixed 2-year Investor P&I | 6.19% p.a. | 6.28% p.a. | 90% |
| Fixed 2-year Owner-occupier P&I | 6.19% p.a. | 6.28% p.a. | 90% |
| Variable Investor interest-only | 6.39% p.a. | n/a | 95% |
| Fixed 2-year Investor interest-only | 6.39% p.a. | n/a | 90% |
| Fixed 2-year Owner-occupier interest-only | 6.39% p.a. | n/a | 95% |
44 of 77 tracked Queensland Country Bank home loan products
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤80%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR 80 to 95%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤80%
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied <80% LVR IO Special
2y FixedOffsetRedraw
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤80%
Queensland Country Bank2 Year Fixed Rate Package Investment <80% LVR P&I Special
2y FixedOffsetRedraw
Interest
5.99%p.a.
Comparison*
6.24%p.a.
Est. repayment
$2,995
LVR ≤80%
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied <80% LVR P&I Special
2y FixedOffsetRedraw
Interest
5.99%p.a.
Comparison*
6.24%p.a.
Est. repayment
$2,995
LVR ≤80%
Queensland Country Bank2 Year Fixed Rate Package Investment >80% LVR P&I Special
2y FixedOffsetRedraw
Interest
6.19%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,059
LVR 80 to 90%
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied >80% LVR P&I Special
2y FixedOffsetRedraw
Interest
6.19%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,059
LVR 80 to 90%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 80 to 95%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 80 to 90%
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied >80% LVR IO Special
2y FixedOffsetRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 80 to 95%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,059
LVR not stated
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,059
LVR not stated
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 95%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 95%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 80 to 95%
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 95%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 95%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 95%
Interest
8.59%p.a.
Comparison*
Not available
Est. repayment
$3,877
LVR ≤90%
Interest
8.59%p.a.
Comparison*
Not available
Est. repayment
$3,877
LVR ≤95%
Interest
9.09%p.a.
Comparison*
Not available
Est. repayment
$4,056
LVR ≤90%
Interest
9.09%p.a.
Comparison*
Not available
Est. repayment
$4,056
LVR ≤95%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Queensland Country Bank home loan repayment calculator
Pre-filled with Queensland Country Bank's lowest advertised variable rate in the table above, 5.99% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Queensland Country Bank's lowest variable today: 5.99%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$2,995
Fortnightly repayment
$1,382
Total interest
$578,034
30 years at 5.99% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Queensland Country Bank?
Queensland Country Bank is a Townsville-headquartered mutual that began in 1971 as the Isa Mine Employees' Credit Union in Mount Isa. Today it serves members across regional Queensland with a genuine branch network.
As a customer-owned bank its profits return to members, and its identity is firmly regional Queensland, from North Queensland mining towns to the coast.
Who suits a Queensland Country Bank home loan?
Queensland Country tends to suit regional Queenslanders who want local branches and a bank whose decisions are made in Townsville rather than Sydney. Its pricing is competitive for the regions it serves; check the live table above to see how it ranks nationally.
Background facts checked 4 September 2026. Rates above refresh independently.
Queensland Country Bank fees, offset and limits at a glance
- Application or establishment fee
- $250 on home equity loans, mortgage loans and line of credit.
- Discharge fee
- $350
- Settlement fee
- $0
- Additional valuation fee
- $300
- Offset account
- 100%
- Minimum offset balance
- $0
- Lenders mortgage insurer
- Helia and QBE
- Capitalising LMI
- Max LVR 95% for PPR Max LVR 90% for Investment
- Maximum total lending
- PPR 95% Investment 90%
- Extra repayments on fixed
- Up to $10,000 per year.
- When the fixed rate is locked
- Contract Execution. If Rate Lock has been selected the rate is locked from the date the Rate Lock Declaration…
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Queensland Country Bank home loans: frequently asked questions
What are Queensland Country Bank home loan rates?
Queensland Country Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 5.99% p.a., checked daily (last verified 11 Sept 2026). Compare Queensland Country Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Queensland Country Bank balance, use /calculators/extra-repayment.
What is the lowest Queensland Country Bank home loan rate?
Queensland Country Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 5.99% p.a., based on the 44 Queensland Country Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Queensland Country Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Queensland Country Bank home loan?
At Queensland Country Bank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Queensland Country Bank home loan?
There is no single salary. Like every Australian lender, Queensland Country Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Queensland Country Bank's home loan rate compare to the market?
Queensland Country Bank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts Queensland Country Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Queensland Country Bank sits right now rather than a fixed snapshot.
How many home loan products does Queensland Country Bank offer?
Ratesniffers currently tracks 77 Queensland Country Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 44 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Queensland Country Bank competitive for refinancing?
It depends on your loan size and LVR. Queensland Country Bank's lowest comparison rate is currently 6.24% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Queensland Country Bank against the sharpest available rate usually pays off.
How often are Queensland Country Bank's home loan rates updated?
Ratesniffers refreshes Queensland Country Bank's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Queensland Country Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.