Queensland Country Bank home loans

Queensland Country Bank has home loan rates starting from 5.09%.

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Richard Whitten

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Key takeaways

  • Queensland Country Bank is a member-owned bank based in Aitkenvale, Queensland.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as personal, business banking and insurance.

Compare Queensland Country Bank home loans for December 2025

5 of 47 results
Updated regularly
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Queensland Country Bank logo
Finder score
9.7 Excellent
Queensland Country Bank Ultimate Variable Home Loan Package
Finder score
9.7 Excellent
Interest Rate
5.19%
Comparison Rate
5.54%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Interest only20% min. equityOwner-occupierOffset accountNo LMI
Monthly Payment
$824
per month
More info
Compare product selection
Queensland Country Bank logo
Finder score
9.6 Excellent
Queensland Country Bank Ultimate Variable Home Loan Package
Finder score
9.6 Excellent
Interest Rate
5.39%
Comparison Rate
5.76%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Principal & Interest20% min. equityInvestmentOffset accountNo LMI
Monthly Payment
$843
per month
More info
Compare product selection
Queensland Country Bank logo
Finder score
9.5 Excellent
Queensland Country Bank Ultimate Variable Home Loan Package
Finder score
9.5 Excellent
Interest Rate
5.19%
Comparison Rate
5.56%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Principal & Interest20% min. equityOwner-occupierOffset accountNo LMI
Monthly Payment
$824
per month
More info
Compare product selection
Queensland Country Bank logo
Finder score
9.5 Excellent
Queensland Country Bank Ultimate Variable Home Loan Package
Finder Award
Finder score
9.5 Excellent
Interest Rate
5.39%
Comparison Rate
5.74%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Interest only20% min. equityInvestmentOffset accountNo LMI
Monthly Payment
$843
per month
More info
Compare product selection
Queensland Country Bank logo
Finder score
9.5 Excellent
Queensland Country Bank Ultimate Variable Home Loan Package
Finder score
9.5 Excellent
Interest Rate
5.39%
Comparison Rate
5.74%
Fees
  • Application: $0
  • Ongoing: $395 p.a.
Interest only5% min. equityOwner-occupierOffset accountLMI
Monthly Payment
$843
per month
More info
Compare product selection
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Showing 5 of 47 results
Finder Awards badge

Congratulations, Queensland Country Bank!

Queensland Country Bank was a big winner in the 2025 Finder Awards.

  • Owner Occupier 1 Year Fixed Home Loan - Highly recommended
  • Investor P&I Variable Home Loan - Highly recommended
  • Investor IO Variable Home Loan - Winner

Full list of 2025 home loan winners

Queensland Country Bank home loan features

Here are the key features and details you need to know about Queensland Country Bank's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan from Queensland Country Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several Queensland Country Bank loans.
Repayment optionsSeveral Queensland Country Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Queensland Country Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Queensland Country Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
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2 Responses

    Default Gravatar
    SusanMay 20, 2014

    HHow do I increase my visa credit on line aapplication

      Shirley Liu's headshotFinder
      ShirleyMay 21, 2014Finder

      Hi Susan,

      Thanks for your question.

      Please contact the customer service team at Queensland Country Credit Union to assist you with increasing your credit limit.

      Cheers,
      Shirley

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