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Queensland Country Bank · Variable · Updated November 2026

Queensland Country Bank Variable Home Loans, November 2026

Queensland Country Bank lists 21 variable home loans in the Ratesniffers index today. The lowest is 6.24% p.a., on Special Package Variable Owner Occupied <80% LVR IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Queensland Country Bank variable home loan rates, November 2026

Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR IO
VariableOffsetRedraw
Interest
6.24%p.a.
Comparison*
Not available
Est. interest only / month
$2,600
LVR ≤80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR P&I
VariableOffsetRedraw
Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤80%
Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Investment <80% LVR IO
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. interest only / month
$2,683
LVR ≤80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Investment <80% LVR P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,141
LVR ≤80%
Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Owner Occupied >80% LVR IO
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. interest only / month
$2,683
LVR 80 to 95%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Owner Occupied >80% LVR P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,141
LVR 80 to 95%
Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Investment >80% LVR IO
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR 80 to 95%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankSpecial Package Variable Investment >80% LVR P&I
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,207
LVR 80 to 95%
Queensland Country Bank logo
Queensland Country BankHome Loan-Package
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.78%p.a.
Est. interest only / month
$2,683
LVR not stated
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankHome Loan-Package
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.97%p.a.
Est. interest only / month
$2,767
LVR not stated
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankUltimate Home Loan Package Investment P&I
VariableOffsetRedraw
Interest
8.49%p.a.
Comparison*
8.83%p.a.
Est. repayment
$3,841
LVR ≤90%
Queensland Country Bank logo
Queensland Country BankUltimate Home Loan Package Owner Occupied P&I
VariableOffsetRedraw
Interest
8.49%p.a.
Comparison*
8.83%p.a.
Est. repayment
$3,841
LVR ≤95%
Queensland Country Bank logo
Queensland Country BankUltimate Home Loan Package Investment IO
VariableOffsetRedraw
Interest
8.84%p.a.
Comparison*
Not available
Est. interest only / month
$3,683
LVR ≤90%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankUltimate Home Loan Package Owner Occupied IO
VariableOffsetRedraw
Interest
8.84%p.a.
Comparison*
Not available
Est. interest only / month
$3,683
LVR ≤95%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankStandard Variable Rate Owner Occupied P&I
VariableOffsetRedraw
Interest
8.99%p.a.
Comparison*
9.11%p.a.
Est. repayment
$4,020
LVR ≤95%
Queensland Country Bank logo
Queensland Country BankStandard Variable Rate Investment IO
Variable
Interest
9.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,892
LVR ≤90%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Queensland Country Bank logo
Queensland Country BankStandard Variable Rate Owner Occupied IO
VariableOffsetRedraw
Interest
9.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,892
LVR ≤95%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

*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 · Variable

Queensland Country Bank variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.

See also Queensland Country Bank's full product range, repayment calculator, and refinance savings calculator.

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