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Whether you are looking to fix the entire loan or split your home loan with a variable portion, we offer many options to fix your interest rate. Enjoy more security and peace of mind around your loan repayments during uncertain times.

 

Check out the tables below with our various interest rate tiers for both Owner-Occupied and Investment loans.

3 Year Owner Occupied Fixed Rate

2.89% pa
Interest Rate^

3.23% pa
Comparison Rate#

Interest rates displayed are available for applications received from 4 November 2019 for established homes over $150,000.

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  View all Owner-Occupied interest rate tiers

Principal & Interest - 20% deposit or more

Fixed Term Interest Rate Comparison Rate#
1 year 2.89% pa 3.30% pa
2 years 2.89% pa 3.26% pa
3 years 2.89% pa 3.23% pa
4 years 3.09% pa 3.26% pa
5 years 3.09% pa 3.24% pa

Interest Only - 20% deposit or more

Fixed Term Interest Rate Comparison Rate#
1 year 3.29% pa 3.34% pa
2 years 3.29% pa 3.33% pa
3 years 3.29% pa 3.33% pa
4 years 3.49% pa 3.39% pa
5 years 3.49% pa 3.40% pa

Principal & Interest - At least 10% but less than 20% deposit

Fixed Term Interest Rate Comparison Rate#
1 year 2.99% pa 3.31% pa
2 years 2.99% pa 3.28% pa
3 years 2.99% pa 3.25% pa
4 years 3.19% pa 3.29% pa
5 years 3.19% pa 3.28% pa

Interest Only - At least 10% but less than 20% deposit

Fixed Term Interest Rate Comparison Rate#
1 year 3.39% pa 3.34% pa
2 years 3.39% pa 3.35% pa
3 years 3.39% pa 3.35% pa
4 years 3.59% pa 3.42% pa
5 years 3.59% pa 3.44% pa
  View all Investment interest rate tiers
  View all Investment interest rate tiers

Principal & Interest - 20% deposit or more

Fixed Term Interest Rate Comparison Rate#
1 year 3.19% pa 3.60% pa
2 years 3.19% pa 3.56% pa
3 years 3.19% pa 3.52% pa
4 years 3.39% pa 3.56% pa
5 years 3.39% pa 3.54% pa

Interest Only - 20% deposit or more

Fixed Term Interest Rate Comparison Rate#
1 year 3.39% pa 3.62% pa
2 years 3.39% pa 3.60% pa
3 years 3.39% pa 3.58% pa
4 years 3.59% pa 3.62% pa
5 years 3.59% pa 3.62% pa

Principal & Interest - At least 10% but less than 20% deposit

Fixed Term Interest Rate Comparison Rate#
1 year 3.29% pa 3.61% pa
2 years 3.29% pa 3.58% pa
3 years 3.29% pa 3.55% pa
4 years 3.49% pa 3.59% pa
5 years 3.49% pa 3.58% pa

Interest Only - At least 10% but less than 20% deposit

Fixed Term Interest Rate Comparison Rate#
1 year 3.49% pa 3.63% pa
2 years 3.49% pa 3.61% pa
3 years 3.49% pa 3.60% pa
4 years 3.69% pa 3.66% pa
5 years 3.69% pa 3.66% pa
  View all Investment interest rate tiers

 

Calculate your repayments

 

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  Documents & Forms
  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.

^ Rate based on applications for new owner-occupied home loans for established homes over $150,000 fixed for 3 years, with a deposit of 20% or more with principal and interest repayments received from 4 November 2019. Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 3.34% for Owner Occupier and 3.64% for Investment home 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.

#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.

The headline comparison rate assumes a loan for an owner-occupied established home of $150,000 fixed for 3 years, monthly repayment frequency, a term of 25 years, a 20% or more deposit with principal and interest repayments. Our table comparison rates assume a loan for an established loan of $150,000, monthly repayment frequency and a term of 25 years and is based on the initial fixed period (for the relevant deposit amount, purpose and repayment type), reverting to 3.34% for owner-occupied loans and 3.64% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.

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

Rates current as at 4 November 2019.

 

 

 

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