Home Loan-Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Queensland Country Bank Home Loan Rates
Active products
4
Lowest variable
5.99%
Lowest fixed
—
Lowest comparison
6.03%
Last updated
28 July 2026
Queensland Country Bank is one of the Australian home-loan lenders we track daily. We currently surface 4 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 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. These figures come from the 4 Queensland Country Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Queensland Country Bank offer?
Ratesniffers currently tracks 4 Queensland Country Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Investor interest-only | 6.19% p.a. | 6.23% p.a. | 100% |
| Variable Investor P&I | 6.19% p.a. | 6.23% p.a. | 100% |
4 Queensland Country Bank home loan products
Home Loan-Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Home Loan-Package
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Home Loan-Package
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Negotiate Queensland Country Bank rates with a broker
Advertised rates aren't always the rate Queensland Country Bank actually approves. Our broker negotiates against your specific scenario, no fee.
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 21 July 2026. Rates above refresh independently.
Queensland Country Bank home loans: frequently asked questions
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., based on the 4 Queensland Country Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Queensland Country Bank approves, a broker can often negotiate a sharper deal on your scenario.
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 10 basis points below the market median of 6.09% 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 4 Queensland Country Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily 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 6.03% 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 28 July 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.
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