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We offer a large range of flexible home loans for you to choose from. Feel free to get in touch if you require any further assistance.

Low Cost Home Loan Welcome Rate*

A low cost home loan with nothing to hide!

  • $0 bank fees
  • Free 100% offset account available
  • Unlimited extra repayments

3.89% pa interest rate~ 3.89% pa comparison rate#

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Qantas Points Home Loan Welcome Rate^

A home loan which includes a fast way to earn Qantas Points12

  • $0 establishment and package fees
  • Earn 150 Qantas Points1 for every $1000 on your loan balance per annum
  • Free 100% offset account available

4.09% pa interest rate~ 4.09% pa comparison rate#

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Fixed Rate Home Loan

Safeguard yourself against interest rate rises!

  • Extra repayments up to $10,000 a year
  • Choose from 1, 2, 3, 4 and 53 year rates
  • $0 account keeping fee

4.09% pa 3 year fixed rate~ 4.13% pa comparison rate#

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Variable Rate Home Loan

A no frills loan with all the flexible features you need!

  • $0 account keeping fee
  • Borrow up to 95% of your property value (with mortgage insurance)+
  • 100% offset account available

4.48% pa interest rate~ 4.52% pa comparison rate#

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Home Access Loan

Use your income and savings to reduce interest

  • $0 annual fee
  • $0 account keeping fee
  • Borrow up to 80% of your property value (with mortgage insurance)

4.48% pa interest rate~ 4.52% pa comparison rate#

Find out more Apply now

  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 $250,000, applications received from 7th October 2016. Excludes existing loans, switching and variations. The offer can be withdrawn by Qudos Bank at any time.
^ Available for new owner occupier home loans over $150,000, applications received from 7th October 2016. Excludes existing loans, switching and variations. The offer can be withdrawn by Qudos Bank at any time.
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 by Qudos Bank. 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 the expiration 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.
~ Variable rate is subject to change and is variable in accordance with the terms and conditions of this loan.
+ Mortgage insurance is required if borrowing above 80% and is subject to approval. #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 14 December 2016.