Instant redraw available from within Online Banking
The rates displayed above apply to applications for new owner-occupied home loans for loan amounts over $150,000 received from 27 September 2021 with principal and interest repayments and a minimum deposit of 30% for Low Cost, No Frills and Low Cost (Value Package) Home Loans and 20% for other Home Loans. 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.
View all our home loan interest rates
More home loan options...
Home Access Loan
Variable Home Loan (less than 10% deposit)
Our award winning home loans
How much can I borrow?
Check your borrowing power in just a few minutes with our handy online calculator.
Ready to apply or want pre-approval?
Start your application online or call us on 1300 747 747 8:30am to 5pm Monday to Friday (AEST/AEDT).
1 Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 2.79% for Owner Occupier and 3.24% for Investment home loans. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
2 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 amount of $150,000 with monthly repayments and a loan term of 25 years. For fixed rate loans, the comparison rate is based on the initial fixed period, reverting to 2.79% for owner-occupied loans and 3.24% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.
3 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
4 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 amount of $150,000 with monthly repayments and a loan term of 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.
* Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.
Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.
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.
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.
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.