8.7 / 10

based on 227 Queensland Country Bank reviews as rated by Mozo community

Queensland Country Bank home loans

Queensland Country Bank is an independent, customer owned organisation that has been providing Queenslanders with an extensive range of financial services since 1971 and currently boasts over 100,000 members.

Whether you’re an owner occupier or property investor, you’ll be able to choose from a range of fixed, variable and package home loan options offered by Queensland Country Bank. If you want to know more, keep reading, because we've outlined Queensland Country Bank's home loan options below, including everything from rates and requirements to fees and features.

What home loans do Queensland Country Bank offer?

Rates and fees verified as correct at 23 April, 2021. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

For borrowers looking to lock in a rate, Queensland Country Bank offers a Fixed Rate Home Loan which comes with 1, 2 or 3-year fixed rates and is available to investors and owner occupiers alike. Customers can take out a loan from as little as $5,000 up to a maximum of $5 million as long as they have a deposit of at least 5%. There are plenty of features on offer such as an extra repayments (up to $10,000/year), a redraw facility (for owner occupiers), an offset account (owner occupiers) and the ability to make repayments on a weekly, fortnightly or monthly basis. There is a monthly service fee to consider though. 

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

2.09% p.a.

3.48% p.a.

$10.00 monthly

$500

3.19% p.a.

4.55% p.a.

$10.00 monthly

$500

3.04% p.a.

4.51% p.a.

$10.00 monthly

$500

3.44% p.a.

4.62% p.a.

$10.00 monthly

$500

3.29% p.a.

4.58% p.a.

$10.00 monthly

$500

3.99% p.a.

4.80% p.a.

$10.00 monthly

$500

2.69% p.a.

4.17% p.a.

$10.00 monthly

$500

2.84% p.a.

4.21% p.a.

$10.00 monthly

$500

2.94% p.a.

4.23% p.a.

$10.00 monthly

$500

3.09% p.a.

4.27% p.a.

$10.00 monthly

$500

3.19% p.a.

4.55% p.a.

$10.00 monthly

$500

3.04% p.a.

4.51% p.a.

$10.00 monthly

$500

3.44% p.a.

4.62% p.a.

$10.00 monthly

$500

3.29% p.a.

4.58% p.a.

$10.00 monthly

$500

2.69% p.a.

4.17% p.a.

$10.00 monthly

$500

2.84% p.a.

4.21% p.a.

$10.00 monthly

$500

3.09% p.a.

4.27% p.a.

$10.00 monthly

$500

2.94% p.a.

4.23% p.a.

$10.00 monthly

$500

Variable Rate Home Loans

Queensland Country Bank also has a Variable Rate Home Loan available from a minimum of $25,000. Owner occupiers can borrow up to 95% of a property’s value with the loan, while investors can borrow up to 90% of the property’s value. When you choose a variable loan from Queensland Country Bank, you’ll have the freedom to make extra repayments whenever you like without charge, dip back into them later on with the redraw facility (if you're an owner occupier) and make use of a 100% offset account (also available to owner occupiers).

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

4.84% p.a.

4.99% p.a.

$10.00 monthly

$500

4.49% p.a.

4.64% p.a.

$10.00 monthly

$500

4.84% p.a.

4.99% p.a.

$10.00 monthly

$500

4.49% p.a.

4.64% p.a.

$10.00 monthly

$500

Fixed Package Home Loan

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

p.a.

n/a

$350.00 yearly

$0

Variable Package Home Loan

If you prefer a package home loan, Queensland Country Bank's Discount Ultimate Home Loan (Package) is available to owner occupiers and investors on loans starting from $100,000 (up to a maximum $5,000,000). For a $350 annual fee, you’ll have access to a range of package features including free extra repayments and redraw facilities, an offset account and the opportunity to split your rate between a fixed and variable portion. You may also be eligible for a number of package benefits including discounts on your home loan rate as well as credit card and personal loan fee waivers and more. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

4.34% p.a.

4.68% p.a.

$350.00 yearly

$0

3.99% p.a.

4.34% p.a.

$350.00 yearly

$0

3.49% p.a.

3.85% p.a.

$350.00 yearly

$0

3.14% p.a.

3.51% p.a.

$350.00 yearly

$0

2.49% p.a.

2.87% p.a.

$350.00 yearly

$0

Queensland Country Bank home loan features in a glance

Offset icon

Offset account

Reducing your interest payments can be made easier with the help of an offset account - a feature which is available to owner occupiers on Queensland Country bank's fixed, variable and package home loans.

Repayment Icon

Extra repayments

When you choose a variable or package home loan from Queensland Country Bank, you’ll be able to make fee-free extra repayments towards your loan balance. You can even make use of this feature if you opt for a fixed rate, because Queensland Country Bank’s fixed home loans allow extra repayments of up to $10,000 per year.

Repayment Icon

Automatic repayments

If you’re after a convenient way to make your home loan repayments, Queensland Country Bank allows you to make automatic repayment via direct debit - either on a weekly fortnightly or monthly basis. It’s relatively easy to set up and you will continually need to check there is enough money in your nominated account to cover your payment.

Free icon

Package benefits

From discounts on your home loan and home and contents insurance to waived fees on your credit card, transaction account and personal, Queensland Country Bank’s package home loan could perfect for those looking to bundle an extensive range of financial products.

How are Queensland Country Bank home loans rated?

Mozo users have rated Queensland Country Bank home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Queensland Country Bank home loans
Overall
9.5/10
Price
Features
Customer service
Convenience
Trust

24 Reviews

Recent Queensland Country Bank home loan reviews

Queensland Country Bank Home Loan review
Overall 10/10
Exceptional customer service - very personalised.

Queensland Country Bank is outstanding. Their customer service is personal. I like how I can call them directly at the local branch. They have been outstanding to deal with.

Read full review

Queensland Country Bank is outstanding. Their customer service is personal. I like how I can call them directly at the local branch. They have been outstanding to deal with.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Jackie, Queensland, reviewed 5 months ago
Queensland Country Bank Fixed Rate Home Loan review
Overall 10/10
Great personal service with competitive prices.

I love Queensland Country Credit Union as they are there for their members. Their Smart Budget account is a must.

Read full review

I love Queensland Country Credit Union as they are there for their members. Their Smart Budget account is a must.

Price
9/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Suzanne, Queensland, reviewed about 1 year ago
Queensland Country Bank Variable Rate Home Loan review
Overall 9/10
Great premiums and terrific customer service.

Love this bank as the banker are very helpful, reliable, honest, and they remember your name.

Read full review

Love this bank as the banker are very helpful, reliable, honest, and they remember your name.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
8/10
Trust
9/10
Less
Kristi, Queensland, reviewed over 5 years ago
Queensland Country Bank Variable Rate Home Loan review
Overall 9/10
Very good, would recommend to anyone

Very friendly and obliging staff, who go out of their way to help you get the most out of your banking.

Read full review

Very friendly and obliging staff, who go out of their way to help you get the most out of your banking.

Price
9/10
Features
10/10
Customer service
10/10
Convenience
6/10
Trust
8/10
Less
Patricia, Queensland, reviewed over 5 years ago
Queensland Country Bank Variable Rate Home Loan review
Overall 8/10
Acceptable premiums and excellent customer focus

Personal service easily accessed in QLD. Personable staff. Good rates and no hard sell.

Read full review

Personal service easily accessed in QLD. Personable staff. Good rates and no hard sell.

Price
7/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Rod, Queensland, reviewed over 5 years ago

What do you need to apply for a Queensland Country Bank home loan?

Queensland Country Bank allows customers to begin a home loan application online, or by making an appointment to speak with a representative on the phone or in a branch. Before you start though, you may need some of the following documents in order to successfully complete an application:

  • Personal ID including birth certificate, passport, drivers licence etc.
  • Income details i.e. payslips, income tax returns and assessments. Self employed applicants will need to provide their most recent tax returns as well as profit and loss statements and balance sheets for the past two years.
  • Account statements
  • Details of  any assets you may own including property, vehicles, life insurance etc.
  • Records of any liabilities you may have such as credit card statements or statements for existing loans.

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