Whether you're looking to upsize, downsize, invest, renovate or simply just looking for a better deal, it's about time you switched to a loan that could help you achieve your goal faster.

 

Features that save you more

Pay off your home loan sooner with these helpful features

 


Flexible loans at low rates

Check out our most popular home loans

The rates displayed above apply to applications for new owner-occupied home loans for loan amounts over $150,000 received from 21 January 2022 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.

Switch to an award-winning bank

canstar-2020-2021mozo-2020-2021

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.

If you're thinking about refinancing, why not make the switch to 100% customer-owned. Unlike the Big 4, we return profits to customers through better rates and low to no fees.

 

Enquire now about switching your home loan.


 

Helpful tips for refinancing

What is the comparison rate?

Other than the interest rate, there could be ongoing fees and charges that apply to your loan.

What is an offset account?

An offset account can help to reduce the amount of interest owing on your loan.

What is loan redraw?

Tap into your redraw facility if you've made extra repayments on your loan.

Buying a property?

There are a few things you need to consider when you're looking to buy a property.

What deposit do I need?

Not everyone can afford to save a 20% deposit. Find out what other options are available.

What are property contracts?

Depending on the property, there are a number of documents we recommend you review with your solicitor or conveyancer.

Next steps

Footnotes:

  • 1 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. 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 2.29% for owner occupied loans and 2.84% for investment loans. Interest only available for 1 to 5 years and is 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.
  • 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 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. 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 2.49% for owner occupied loans and 3.04% for investment loans. Interest only available for 1 to 5 years and is 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 Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 2.49% for Owner Occupier and 3.04% for Investment home loans. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
  • 5 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 2.49% for owner-occupied loans and 3.04% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.

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.

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.