Stay informed on the proposed Bank Australia merger - learn more now.

Home Loan FAQs

Your home loan frequently asked questions answered.

Your home loan questions answered.

Are there any loan discharge fees?
What are some of the rewards I can get with the Qantas Points earned?
Are offset accounts available on fixed rate loans?
Can I borrow additional funds without going through the full application process?
Can I borrow the Lenders Mortgage Insurance (LMI) premium or do I need to pay for it upfront?
Can I make additional repayments on my home loan?
Can I pay out my home loan at any time?
Can I re-fix my home loan at the end of a fixed rate term?
Can I split my home loan between variable rate products?
Can I split my home loan?
Can I switch to a fixed rate home loan from a variable loan?
Can the 90 days be extended?
Can the rate be locked in and fee collected at a later date?
Do I have the option to extend my interest only term?
Do you have to put a deposit on a building contract?
How can the fee be paid?
How do I access additional repayments I have made?
How do I apply for a home loan?
How do I apply for a rate lock?
How does Qudos Bank calculate interest?
How does a construction loan differ from a home loan?
How long do you have to build with a construction loan?
How long will it take for my home loan application to be approved?
How much can I borrow?
How often do I make a loan repayment?
How soon after my loan starts will I receive my Qantas Points?
Is there a fee if I repay a fixed rate loan before the end of the fixed rate term?
Is there a fee to redraw?
Is there a minimum redraw amount?
Under what circumstances could the fee be refunded?
What happens if interest rates decrease?
What if I wish to have a number of fixed rate splits, are there additional fees?
What is Lenders Mortgage Insurance (LMI) and when is it required?
What is a Fixed Rate home loan?
What is a comparison rate?
What is a construction loan?
What is a package home loan?
What is a rate lock?
What is a redraw?
What is a variable rate home loan?
What is an offset account?
What is the difference between principal and interest and interest only?
What is the maximum interest only term?
What is the maximum number of offset accounts I can have?
What is the maximum number of split loans I can have?
What is the maximum term I can fix my rate for?
What is the rate lock fee amount?
What rate is locked in for 90 days?
When can the rate be locked?
Will someone need to inspect my property to establish its value?

You might also be interested in

Home Loan Application Process

Government schemes and grants

Home Loan Calculators

Helpful Tips and Guides

Read all