Home Loans | Qudos Bank

Low rate home loans

Variable home loan rates from

2.49 % p.a. Interest rate 2.49 % p.a. Comparison rate

T&Cs apply. Apps from 29 November 2021 for loan amounts over $150,000. Interest rate¹ and comparison rate² for basic owner-occupied home loans with principal and interest repayments and deposits 30% or more.

Compare home loan rates

Basic Home Loan

Enjoy a variable low rate, no bank fees and unlimited extra repayments (no offset included).

6.19 % p.a. Interest rate 6.40 % p.a. Comparison rate

Rate available for deposits over 30%

Basic Offset Home Loan

Our most popular home loan with $0 bank fees.

2.89 % p.a. Interest rate 2.89 % p.a. Comparison rate

Rate available for deposits over 30%

1 Year Fixed Home Loan

Choose from 1 to 5 year terms, plus no bank fees and extra repayments up to $10,000 per year.

4.64 % p.a. Interest rate 3.14 % p.a. Comparison rate

Rate available for deposits over 20%

The rates displayed above apply to applications for new owner-occupied home loans for loan amounts over $150,000 received from 29 November 2021 with principal and interest repayments. Investment loans, interest only repayments and deposits of less than these amounts are available for some loans (subject to approval). Different interest rates apply. Contact us for more details.

$0 Bank Fees

No annual fee, package fee or account keeping fee on basic variable and fixed home loans.

Extra Repayments

Pay off your loan faster with additional repayments on your loan at no extra cost.

Fee-Free Redraw

Access additional repayments when you need them instantly through online banking.

Flexible home loan options

Why us?

We're an award-winning bank that puts people and community before profit.

We're proud to be Customer Owned Bank of the Year 2021 and 2020 by Canstar and Australia's Best Large Mutual Bank 2021 and 2020 by Mozo.

"Fantastic home loan customer service"

I have been with Qudos for a very long time and recently wanted to re-mortgage my house to do some home improvements. The application process was straight forward and the staff member I dealt with (Zac) was very helpful. Excellent work, Kudos to Quods :-)

BWA, QLD

"Excellent Service - Kudos to Qudos"

Sam from the lending team was amazing. So helpful throughout the whole process of exploring loan options and getting me through to purchasing a house smoothly and stress free! I've been with Qudos for 5 years with multiple products and they give Customer service you won't get from the big banks

Kate

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Send us your home loan enquiry and one of our Lending Specialists will be in touch.

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Important information

Footnotes:

¹ Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022 for loan amounts over $150,000. Minimum deposit of 20%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest No Frills Home Loan with a deposit or equity of 20% or more, currently 2.59% for owner occupied loans and 3.34% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
² 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 of $150,000 for 25 years. 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.
³ 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. An unsecured loan of $10,000 with a term of 3 years, or a secured loan of $30,000 with a term of 5 years (as applicable) and a monthly repayment frequency have been used to calculate the comparison rate for all personal loans.
⁴ Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022 for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, currently 2.99% for owner occupied loans and 3.54% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
⁵ Rates displayed above are available for applications received from 23 June 2022 for loan amounts over $150,000. Minimum deposit of 10%. Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 2.99% for Owner Occupier and 3.54% for Investment home loans. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
⁶ WARNING: The 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. The comparison rates assume a loan of $150,000 for 25 years. For fixed rate loans, the comparison rate is based on the initial fixed period, reverting to 2.99% for owner-occupied loans and 3.54% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.