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For those that want a home loan ‘with the lot’, this package combines our popular Low Cost Home Loan with a host of financial benefits and discounts on other leading products for an annual package fee of $395.

 

Calculate your rate by using the filter below.

1. I am looking for a home loan for:

 
  • The house I live in
  • An investment property

2. I want to repay:

 
  • Principal + Interest
  • Interest Only

3. I have a deposit of:

 
  • 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.

Calculate your repayments

Frequently Asked Questions

  Can I split my home loan between variable rate products?

Yes, we offer the option for you to divide your home loan into multiple accounts across different variable rate products so you can access the different loan features in the way that suits you.

  How long will it take for my home loan application to be approved?

Once you've submitted your application and supporting information, conditional approval is usually obtained within 48 hours, subject to satisfactory credit checks and verification of financial and property information. Your Home Loan Specialist can provide more information about approving your loan.

  What is an offset account?

Offset accounts work as a transaction account linked to your home loan. The money in that account ‘offsets’ daily against the balance of your loan. So, it reduces the interest you need to pay because interest is only charged on your net balance (i.e. your overall loan balance minus your offset account balance). In other words, the loan ‘thinks’ you've paid that money off your loan already, reducing the interest charged accordingly. Qudos Bank offers multiple offset accounts on most home loans, check with your lending specialist.

  What is home loan redraw?

A redraw facility allows you to take back the extra payments you have made on your loan account. For example, your minimum monthly loan repayments are $3,000. If you pay $3,200 each month for a period of 6 months you'll have paid an additional $1,200 on top of your minimum repayments. The redraw facility allows you to access that extra $1,200 if required.

 

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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.

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 These offers can be withdrawn by Qudos Bank at any time.

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.

Our comparison rates 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 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 www.qudosbank.com.au/Products/Insurance. 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.

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 23 March 2020.

 

 

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