Classic Home Loan

Features:
Home Loans Loan to Value Ratio Interest Rate Comparison Rate*
Special Offer Rate <80% 3.24% PA 3.27% PA
Special Offer Rate <90% 3.64% PA 3.67% PA
Special Offer Rate <95% 4.04% PA 4.06% PA
Classic Rate Up to 95% 5.09% PA 5.11% PA
Eligibility:
  • a salary credit of at least $1,500 per month must be deposited into your QBANK transaction account
  • P&I repayments only

Classic Plus Home Loan

Features:
Home Loans Loan to Value Ratio Interest Rate Comparison Rate*
Special Offer Rate <80% 3.54% PA 3.86% PA
Special Offer Rate <90% 3.84% PA 4.15% PA
Special Offer Rate <95% 4.24% PA 4.55% PA
Classic Plus Rate Up to 95% 5.39% PA 5.68% PA
Eligibility:
  • a salary credit of at least $1,500 per month must be deposited into your QBANK transaction account
  • P&I repayments only

Fixed Rate

Home Loans Loan to Value Ratio Interest Rate Comparison Rate*
1 Year Fixed <95% 4.69% PA 5.07% PA
2 Year Fixed <95% 5.09% PA 5.11% PA
3 Year Fixed <95% 5.79% PA 5.30% PA
4 Year Fixed <95% 6.04% PA 5.45% PA
5 Year Fixed <95% 6.24% PA 5.61% PA
Eligibility:
  • a salary credit of at least $1,500 per month must be deposited into your QBANK transaction account

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Terms and Conditions apply to home loans and are provided with our loan offer. Fees and charges apply.

Interest rates current as at 20 July 2022 and are subject to change without notice.

Fact Sheets are available here.

Target Market Determination is available here.

* WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate displayed is calculated based on a loan amount of $150,000 over a 25 year term.

^^ Additional Government charges and a $195 settlement fee still apply ($295 if construction loan).

~ Additional repayments limited to $10,000 per annum to a maximum of $30,000 in any fixed rate period.

Footnotes:

  • 1 Special Offer Owner Occupier rate is valid for home loan applications of $150,000 for owner occupiers and is available for a limited time only. Interest only not available. Offer may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK members switching loans or internal refinances.
  • 2 After the expiry of the fixed rate period, the interest rate changes to QBANK’s Classic Variable Home Loan Product Rate (currently 5.09%p.a. for Owner Occupier |5.11%p.a. Comparison Rate and 5.44% for Investor | 5.51% Comparison Rate.