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Product
Interest Rate
Comparison Rate
Loan Type
Loan Term 
Interest Only Option1
Minimum Amount
Minimum Deposit2
100% Offset Available
Redraw Available
Redraw Fee
Annual Fee
Annual Package Fee
Account Keeping Fee
Establishment Fee (established homes)
Construction Loan Available
Establishment Fee (construction loan)
Split Loans3
Insurance Discounts4, 5
Qantas Points6
Annual fee waiver ($249) on Visa Platinum Credit Card7
 
  No Frills Low Cost Low Cost
(Value Package)
Qantas Points Fixed Rate Variable Rate
Product
Owner Occupier
Owner Occupier
Investment
Owner Occupier
Owner Occupier
Investment
Owner Occupier
Investment
Owner Occupier
Investment
Interest Rate
3.69% pa+
From 3.89% pa^
3.68% pa^^
From 4.04% pa^
From 3.89% pa~
4.58% pa**
Comparison Rate
3.69% pa#
From 3.89% pa#
4.09% pa#
From 4.04% pa#
From 4.18% pa#
4.62% pa#
Loan Type
Variable
Variable
Variable
Variable
Fixed
Variable
Loan Term 
Up to 30 years
Up to 30 years
Up to 30 years
Up to 30 years
1 - 5 years
Up to 30 years
Interest Only Option1
no
yes
no
yes
yes
yes
Minimum Amount
$150k
$150k
$150k
$150k
$150k
No minimum amount
Minimum Deposit2
20%
10%
20%
10%
10%
5%
100% Offset Available
no
yes
yes
yes
no
yes
Redraw Available
no
yes
yes
yes
no
yes
Redraw Fee
N/A
$0
$0
$0
N/A
$0
Annual Fee
$0
$0
$0
$0
$0
$0
Annual Package Fee
$0
$0
$395
$0
$0
$0
Account Keeping Fee
$0
$0
$0
$0
$0
$0
Establishment Fee (established homes)
$0
$0
$0
$0
$0
$600
Construction Loan Available
no
yes
no
yes
no
yes
Establishment Fee (construction loan)
N/A
$600
N/A
$600
N/A
$600
Split Loans3
With fixed rate home loans only
yes
yes
yes
yes
yes
Insurance Discounts4,5
no
10% off Allianz Home & Contents Insurance4
Up to 12 months Allianz insurance cover for the price of 11 months4, 5
15% off Allianz Home & Contents Insurance4
no
no
Qantas Points6
no
no
no
yes
no
no
Annual fee waiver ($249) on Visa Platinum Credit Card7
no
no
yes
no
no
no
  More More More More More  More

All displayed interest rates are for owner occupier loans only. Investment rates are available on request.

  Important Information

Loans are subject to approval. Normal lending criteria and fees and charges apply. Terms and conditions available on request.

These rates are current for new business. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

+ Rate based on applications for new owner-occupied home loans for established homes over $150,000 with a deposit of 20% of more received from 11 December 2017. Minimum deposit 20%.

^ Rate based on applications for new owner-occupied home loans for established homes over $150,000 with a deposit of 20% or more received from 21 November 2017. For more information on home loans with a deposit of less than 20% or for construction loans please call 1300 747 747.

^^ Rate based on applications for new owner-occupier home loans for established homes over $150,000 with a deposit of 20% or more received from 23 April 2018 while the annual package fee is paid. Minimum deposit 20%.

~ Rate based on applications for new owner-occupied home loans for established homes over $150,000 with a deposit of 20% or more, fixed for 2 years, received from 21 November 2017. 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-occupied home loans and 4.89% for investment home loans. For more information on home loans with a deposit of less than 20% or for construction loans please call 1300 747 747.

** Rate based on applications for new owner-occupied home loans over $150,000 with a deposit of 20 % or more received from 21 November 2017. For more information on home loans with a deposit of less than 20% please call 1300 747 747.

# WARNING: Comparison rates apply 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. A loan for an established home of $150,000 with a 20% or more deposit, a term of 25 years and a monthly repayment frequency have been used to calculate our comparison rate. For the comparison rate on construction loans please call 1300 747 747.

1. Only monthly repayment options available for interest only loans. Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

2. Mortgage insurance is required for home loans over 80% and is subject to approval.

3. Product deposit requirements vary, split options must meet the highest minimum deposit amount. If splitting the Low Cost Home Loan Value Package only one package is eligible and must be split with another home loan product.

4. Discount applies to first year’s premium when purchased at time of funding. Qudos Bank arranges this insurance as an agent for Allianz Australia Insurance Limited ABN 15 000 122 850, ASFL No. 234 708. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. Before deciding to acquire this insurance, please read the relevant Product Disclosure Statement (PDS), our Financial Services Guide and the Allianz Financial Services Guide. To see the PDS please click on the relevant insurance product PDS: Classic Home Insurance, Prestige Home Insurance, Vital Home Insurance or to have the PDS sent out to you, call us on 1300 747 747.We receive commission on these insurance products as a percentage of the premium paid for each policy ranging between 10–30%. See our FSG or ask us for more details.

5. Offer valid for new Home and Contents and Motor insurance policies purchased through Qudos Bank from 23/04/18 to 23/04/19. 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.

6. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued by Qudos Bank, available at qudosbank.com.au. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available 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. 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.

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

Before opening any product with us, you should read our Financial Services Guide (available at qudosbank.com.au) and to see our terms and conditions, call us on 1300 747 747.

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 23 April 2018.