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Compare Home Loans

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  Low Cost Home Loan* Qantas Points Home Loan2 Fixed Rate Home Loan3 Variable Rate Home Loan4
Interest Rate  4.24% pa (based on $500K)1  4.39% pa2  4.24% pa^ (3 year rate)^  4.58% pa
Comparison Rate  4.24% pa(based on $500K)  4.39% pa2  4.24% pa (3 year rate)  4.62% pa
Loan Type Variable

Variable

Fixed

Variable

Loan Term  Up to 30 Years Up to 30 Years 1 - 5 years Up to 30 years
Construction Option Yes Yes No Yes
Interest only option Yes Yes Yes Yes
Minimum amount $150k $150k $150k $0
Package fee $0 $0 $0 $0
Account keeping fee $0 $0 $0 $0
Establishment fee $0 $0 $0 $0
Redraw fee $0 $0 n/a $0
Annual Fee $0 $0 $0 $0
100% offset available  Yes Yes No Yes
Borrowing power (% of the property value)# 95% 95% 95% 95%
Repayment options Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly
Insurance  10% off Allianz Home & Contents Insurance 6 15% off Allianz Home & Contents Insurance 6 A range of insurance options available  A range of insurance options available 
Qantas Points12 No Yes n/a n/a
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  Important Information
All displayed interest rates are for owner occupier loans only. Investment rates are available on request. ^ Available for new owner occupier home loans over $150,000. No switching or variations. ^Available for all new owner occupier home loans over $150,000. Excludes switching and variations.  This offer can be withdrawn by Qudos Bank at any time. This offer can be withdrawn by Qudos Bank at any time. Investment rates are available on request. Loans are subject to approval, terms and conditions and fees and charges. Normal lending criteria apply. Terms and Conditions are available on request. 1. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued byQudos Bank available here. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities. 2. This joining fee waiver is offered by Qudos Bank and available to new applicants who are not already Qantas Frequent Flyer members and who apply for membership online at qantas.com/joinqffqudos. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. 3. On expiry of the fixed rate period, the interest rate reverts to the variable rate Low Cost Home Loan Package tier for a loan amount of $250,000. 4. Variable rate is subject to change and is variable in accordance with the terms and conditions of this loan. 5. Mortgage insurance is required if borrowing over 80% (based on owner occupied) and subject to approval. 6. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234 708. Qudos Bank arranges this insurance as an agent for Allianz not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendation. You should read and consider the relevant Product Disclosure Statement and Financial Services Guide before deciding whether to acquire any product mentioned. A PDS is available by calling 1300 747 747. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 10 – 30%. Ask us for more details. Discount applies to first year's premium . No other discounts apply. The discount may be subject to rounding. * Excludes switching and variations. #WARNING: This comparison rate applies to the example or the 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. Our comparison rate assumes a loan of $150,000, monthly repayment frequency and a term of 25 years. Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws. Rates current as at 11 July 2016.