Tell us a bit about the property and your situation, including income, expenses and debts - either online, by phone or in branch.
Allow about 20 minutes
If it looks good on paper, we offer conditional approval and let you know if we need any documentation.
Allow 2-3 days
Once we receive any outstanding information required, and conduct a property valuation, you receive formal approval.
Allow 2-3 days
Dedicated Lending Specialist during the application process
100% Australian based contact centre
Access 15 branches across NSW, VIC, QLD & ACT
24/7 access to digital banking & digital wallets
Proudly 100% customer-owned
Access to a range of Qantas Points banking products
✓ Are at least 18 years of age
✓ Are a citizen or permanent resident of Australia
✓ Are currently in paid employment
✓ Have not been bankrupt
# HOME LOAN SPECIAL OFFER TERMS AND CONDITIONS
* This offer only applies to new home loans with Bank Australia Limited, trading as either Qudos Bank or Bank Australia.
We reserve the right to change the rate at any time. Advertised variable rates are current at the time of publication but can be changed at any time. Applications received within the period 7 August 2025 up until offer ends or is withdrawn must be funded no later than 31 December 2025.
GENERAL ADVICE
Any information and advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and seek any third party advice you need.
You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determination available here.
Approved applicants only. Normal lending criteria, terms and conditions and fees and charges apply. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
Lenders mortgage insurance is required for home loans over 80% LVR and is subject to approval.
1 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.
2 Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.
3 Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.
We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head offices are located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria, and the land of the Gadigal people of the Eora Nation in New South Wales.
We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.
