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The rates displayed below apply to applications for new owner-occupied home loans for established homes over $150,000 received from 20 November 2018 with a minimum deposit 20% and principal and interest repayments. Investment loans, interest only repayments and deposits of less than 20% are available for some loans (subject to approval). Different interest apply. Contact us for more details.

No Frills Home Loan

Our best interest rate home loan without the bells and whistles.

  • $0 bank fees
  • Low variable rate
  • Unlimited extra repayments

3.69% paInterest Rate*3.69% paComparison Rate#

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Low Cost Home Loan

Our most popular fully-featured home loan.

  • $0 bank fees for established homes
  • 100% offset account
  • Redraw facility

3.79% paInterest Rate*3.79% paComparison Rate#

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Low Cost Home Loan
(Value Package)

A discounted rate with additional benefits

  • Visa Platinum Credit Card Annual Fee Waiver ($249)1
  • Insurance discounts2
  • Complimentary financial planning meeting3

3.68% paInterest Rate*4.09% paComparison Rate#

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Qantas Points Home Loan

A fully-featured loan with the ability to earn Qantas Points4.

  • $0 bank fees for established homes
  • Earn Qantas Points on your loan balance
  • 100% offset account

3.94% paInterest Rate*3.94% paComparison Rate#

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Fixed Rate Home Loan

A loan to safeguard yourself against interest rate rises.

  • $0 annual fee
  • Choice of 1, 2, 3, 4 or 5 year terms
  • Extra repayments up to $10,000 a year

3.99% pa3 Year Fixed Rate*~4.17% paComparison Rate#

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Home Access Loan

A revolving line of credit secured against your property.

  • $0 annual fee
  • Redraw facility
  • Low establishment fee5

4.58% paInterest Rate*4.62% paComparison Rate#

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  Important information

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

* Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.

~ Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 4.24% for Owner Occupier and 4.89% for Investment home loans.

#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 assumes a loan for an owner-occupied established home of $150,000, monthly repayment frequency, a term of 25 years, a 20% or more deposit with principal and interest repayments. For more information and interest rates, please call 1300 747 747 or see our interest rates brochure on our website. Comparison rates for fixed or guaranteed interest only loans are based on an initial interest only period equal in length to the fixed or guaranteed period. Construction loans are available for the Low Cost, Qantas Points and Standard Variable Rate Home Loans for a $600 establishment fee. For the comparison rates on construction loans please call 1300 747 747.

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

2. Up to 12 months Allianz insurance cover for the price of 11 months. Offer valid for new Allianz Home and Motor insurance policies purchased through Qudos Bank from 23/04/18 to 23/04/19. Available only for policies purchased in-branch or via the 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.

3. 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.

4. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. 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 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. 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.

5. An establishment fee of $600 applies to this loan.

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.

You should read and consider the relevant Terms and Conditions and our Financial Services Guide available on our website, before deciding whether to obtain any of our financial products or services.

Rates current as at 20 November 2018.


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