Product summary

Product summary style

Our most popular fully featured home loan with $0 bank fees is great for refinancing or investing.

  • Free multiple offset accounts
  • Unlimited extra repayments
  • Instant redraw available within Online Banking
  • 2.89%p.a. Interest rate
  • 2.89%p.a.
    Comparison rate

Product summary box excluding rates

Our most popular fully featured home loan with $0 bank fees is great for refinancing or investing.

  • Free multiple offset accounts
  • Unlimited extra repayments
  • Instant redraw available within Online Banking
  • 2.89%p.a. Interest rate
  • 2.89%p.a.
    Comparison rate

Product summary with image

Our most popular fully featured home loan with $0 bank fees is great for refinancing or investing.

  • Free multiple offset accounts
  • Unlimited extra repayments
  • Instant redraw available within Online Banking
  • 2.89%p.a. Interest rate
  • 2.89%p.a.
    Comparison rate

Featured product summary box

Our most popular fully featured home loan with $0 bank fees is great for refinancing or investing.

  • Free multiple offset accounts
  • Unlimited extra repayments
  • Instant redraw available within Online Banking
  • 2.89%p.a. Interest rate
  • 2.89%p.a.
    Comparison rate

Featured product summary box excluding rates

Our most popular fully featured home loan with $0 bank fees is great for refinancing or investing.

  • Free multiple offset accounts
  • Unlimited extra repayments
  • Instant redraw available within Online Banking
  • 2.89%p.a. Interest rate
  • 2.89%p.a.
    Comparison rate

 

Interest rate (number only)

Interest rate (number only styled)

Comparison rate (number only)

Comparison rate (number only styled)

Interest (and comparison) rates with descriptive text

Product Features:

Home Loans
Loan type : Variable
Loan term : Up to 30 years
Interest only options available : Yes
Fixed Rate available : No
Minimum amount : $150k
Minimum deposit : 10%
Free multiple offset accounts : Yes
Redraw available : Yes
Redraw fee : $0
Annual fee : $0
Annual package fee : $0
Account keeping fee : $0
Establishment fee : $0
Split loans : Yes
Insurance discounts : No
Qantas Points : No
Repayments options : Weekly, Fortnightly, Monthly
Annual fee waived on Visa Platinum Credit Card : No

Product name

Low Cost Home Loan

Collection

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Collection product summary box excluding rates

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 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.
  • 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 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.
  • 4 Mortgage insurance is required for home loans over 80% and is subject to approval.
  • 5 Product deposit requirements vary, split options must meet the highest minimum deposit amount.
  • 6 Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.
  • 7 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.

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