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Compare Home Loans

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  Low Cost Home Loan Welcome Rate1 Qantas Points Home Loan Welcome Rate2 Fixed Rate Home Loan3,9 Variable Rate Home Loan4
Interest Rate 3.89% pa4,8 (based on $500K) 4.09% pa1,4,8 3.89% pa1,3 (3 year rate) 4.48% pa4
Comparison Rate 3.89% pa(based on $500K) 4.09% pa# 4.07% pa# (3 year rate) 4.52% pa#
Interest Type Variable




Loan Term  Up to 30 Years Up to 30 Years Up to 30 Years3 Up to 30 Years
Construction Option Yes Yes No Yes
Interest Only Option Yes Yes Yes Yes
Minimum Amount $150k $150k $150k $10k
Package Fee $0 $0 $0 $0
Account Keeping Fee $0 $0 $0 $0
Establishment Fee $0 $0 $0 $600
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%5 95%5 95%5 95%5
Repayment Options Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly
Insurance6 10% off Allianz Home & Contents Insurance7 15% off Allianz Home & Contents Insurance7 A range of insurance options available  A range of insurance options available 
Qantas Points2 No Yes n/a n/a
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All displayed interest rates are for owner occupier loans only. Investment rates are available on request.

  Important Information
Loans are subject to approval. Terms and Conditions, normal lending criteria and fees and charges apply, and are available on request.

#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.

1. Available for all new owner occupier home loans over $150,000. This offer can be withdrawn by Qudos Bank at any time.

2. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued by Qudos 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 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 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. 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 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 tier for a loan amount of $250,000 for the remaining loan term.

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.

7. Discount applies to first year's premium. No other discounts apply. The discount may be subject to rounding.

8. Excludes switching and variations.

9. Rates available for 1-5 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 7 October 2016.