Interest
6.69%p.a.
Comparison*
8.63%p.a.
Est. repayment
$3,223
LVR 80 to 95%
Queensland Country Bank Home Loan Rates
Tracked products
77
Variable product example
6.24%
A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
6.49%
A verified Queensland Country Bank product example is 3 Year Fixed Rate Package Owner Occupied <80% LVR P&I: 6.49% p.a. (8.22% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
6.24%
A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 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?
Ratesniffers compares Queensland Country Bank home loan products by comparison rate. A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Queensland Country Bank product example is 3 Year Fixed Rate Package Owner Occupied <80% LVR P&I: 6.49% p.a. (8.22% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Queensland Country Bank product example is 3 Year Fixed Rate Package Owner Occupied <80% LVR P&I: 6.49% p.a. (8.22% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 17 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 |
|---|---|---|---|
| Fixed 1-year Owner-occupier P&I | 6.69% p.a. | 8.63% p.a. | 95% |
| Fixed 2-year Investor P&I | 6.84% p.a. | 8.64% p.a. | 90% |
| Fixed 2-year Owner-occupier P&I | 6.84% p.a. | 8.64% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.69% p.a. | 8.71% p.a. | 95% |
| Variable Investor P&I | 8.49% p.a. | 8.83% p.a. | 90% |
| Variable Owner-occupier P&I | 8.49% p.a. | 8.83% p.a. | 95% |
| Fixed 1-year Investor P&I | 6.64% p.a. | 8.84% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.64% p.a. | 8.84% p.a. | 80% |
| Variable Investor interest-only | 8.84% p.a. | n/a | 90% |
| Variable Owner-occupier interest-only | 8.84% p.a. | n/a | 95% |
| Fixed 1-year Investor P&I | 6.84% p.a. | 8.86% p.a. | 90% |
| Fixed 1-year Owner-occupier P&I | 6.84% p.a. | 8.86% p.a. | 95% |
17 of 77 tracked Queensland Country Bank home loan products
Interest
6.84%p.a.
Comparison*
8.64%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
8.64%p.a.
Est. repayment
$3,273
LVR 80 to 95%
Interest
6.69%p.a.
Comparison*
8.71%p.a.
Est. repayment
$3,223
LVR 80 to 95%
Interest
8.49%p.a.
Comparison*
8.83%p.a.
Est. repayment
$3,841
LVR ≤90%
Interest
8.49%p.a.
Comparison*
8.83%p.a.
Est. repayment
$3,841
LVR ≤95%
Interest
6.64%p.a.
Comparison*
8.84%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
8.84%p.a.
Est. repayment
$3,207
LVR ≤80%
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.
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.
Interest
6.84%p.a.
Comparison*
8.86%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
8.86%p.a.
Est. repayment
$3,273
LVR 80 to 95%
Interest
8.69%p.a.
Comparison*
9.03%p.a.
Est. repayment
$3,912
LVR ≤80%
Interest
8.99%p.a.
Comparison*
9.11%p.a.
Est. repayment
$4,020
LVR ≤90%
Interest
8.99%p.a.
Comparison*
9.11%p.a.
Est. repayment
$4,020
LVR ≤95%
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.
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.
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 8 Oct 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?
Ratesniffers compares Queensland Country Bank home loan products by comparison rate. A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Queensland Country Bank product example is 3 Year Fixed Rate Package Owner Occupied <80% LVR P&I: 6.49% p.a. (8.22% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Queensland Country Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Queensland Country Bank home loan rate?
A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Queensland Country Bank product example is 3 Year Fixed Rate Package Owner Occupied <80% LVR P&I: 6.49% p.a. (8.22% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Queensland Country Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,690 a month before fees. The selected source example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Queensland Country Bank home loan?
There is no single salary requirement for a Queensland Country Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Queensland Country Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Queensland Country Bank's home loan rate compare to the market?
A verified Queensland Country Bank product example is Special Package Variable Owner Occupied <80% LVR P&I: 6.24% p.a. (6.24% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
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 17 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?
Compare Queensland Country Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.