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Award Winning Low Cost Home Loan Value Package

Our Low Cost Home Loan Value Package has been recognised as one of the best value loans on the market and taken out a Mozo Experts Choice Home Loan Award for 2019. Save with this low rate home loan and benefit from a great deal more with special discounts on our Visa Platinum Credit Card, term deposits, personal loans and insurance products.


Canstar Outstanding Home Loan LenderMozo Experts Choice 2020 - Packaged Home LoanValue Package Mozo Award First Home Buyer Bank of the year Home Loan Package


Calculate your rate by using the filter below. Just follow the three easy steps!


1. What's the purpose of your home loan?

  • Owner Occupied
  • Investment

2. Loan repayment type

  • Principal + Interest
  • Interest Only

3. How much is your deposit?

  • 20% deposit or more
  • At least 10% but less than 20% deposit

Your interest rate is

2.88% pa

3.31% pa

2.98% pa

3.40% pa

3.28% pa

3.41% pa

3.38% pa

3.45% pa

3.18% pa

3.60% pa

3.28% pa

3.70% pa

3.58% pa

3.71% pa

3.68% pa

3.75% pa

Interest Rate^

Comparison Rate#

Interest rates displayed are available for applications received from 23 March 2020 for established homes over $150,000.


Save More With Extra Value

Visa Platinum Credit Card Annual Fee

Visa Platinum Credit Card Annual fee waiver ($249)1

Allianz Insurance Cover

Up to 12 months Allianz insurance cover for the price of 11 months 2

Bonus 0.10% p.a interest

Bonus 0.10%p.a. interest on selected term deposit accounts3

Instant redraw

Instant redraw available from within Online Banking

100% offset

100% offset account included

Complimentary Meeting

A complimentary meeting with one of our financial planners (valued at $55)4

Personal Loan application fee waiver

Personal Loan application fee waiver ($150)

Overdraft Application Fee Waiver

Overdraft application fee waiver ($150)

Unlimited Extra Repayments

Unlimited extra repayments at no cost

Repayment holidays

Repayment holidays - when your repayments are in advance5


How does a Qudos Bank home loan compare to a Big 4 home loan?

Comparing home loans can be a time-consuming process so we’ve engaged the help of MOZO to crunch the numbers on your behalf. The graph below shows what you would have saved over the past year*.

Big 4 Comparison Sheet

Calculate Your Home Loan Repayments


  Important Information

Loans are subject to approval. Terms and conditions, normal lending criteria and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

The Canstar 5-Star Rating for Outstanding Value Home Lender was received/awarded in March, 2020

^ The headline rate is based on applications for new owner-occupied home loans for established homes over $150,000, with a deposit of 20% or more with principal and interest repayments received from 23 March 2020. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.

#WARNING: This comparison rate applies only to the example or 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 assume a loan amount of $150,000 with monthly repayments and a loan term of 25 years. For principal and interest loans, the comparison rate is based on the relevant deposit amount, loan purpose and repayment type. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.

1. Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.

2. Offer valid for new Allianz Home and Motor insurance policies purchased through Qudos Bank branches or via the Qudos Bank contact centre and cannot be used in conjunction with any other offer. Offer applies to standard rates (excluding optional covers) and is for the first year’s premium only (unless stated otherwise). Other discounts may apply to insurance purchased via other methods.
This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL No. 234 708. Qudos Bank arranges this insurance as an agent for Allianz not as your agent. A Product Disclosure Statement (PDS) is available by calling 1300 747 747. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the PDS and Financial Services Guide (FSG) before deciding whether to acquire any product mentioned. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging between 10–30%. Ask us for more details. To see the relevant PDS, visit Alternatively, to have the PDS sent out to you call us on 1300 747 747.

3. Rate applies to term deposits during the term of your Low Cost Home Loan (Value Package). Specific terms and minimum amounts apply. See the Value Package Terms and Conditions for more details. Interest paid on maturity. Not applicable to special rate term deposits.

4. All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367. As the information on this page is of a general nature and has been prepared without considering your objectives, financial situation or needs, before acting on the information, consider its appropriateness to your circumstances. You should read any relevant product disclosure statement, our Financial Services Guide and ClearView’s Financial Services Guide before deciding to acquire or hold any product. Further information on how ClearView handles your personal information is explained in the ClearView Privacy Policy. Qudos Bank receives commission for referrals to ClearView, refer to Qudos Bank’s Financial Services Guide (“FSG”) for more information. These documents are available on our website or by calling 1300 747 747.

5. Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.

Before opening this home loan with us, you should read our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 23 March 2020.