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Rates & Fees - Home Loans

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No Frills Home Loan

  Rate p.a.^ Comp. rate#
20% deposit or more 3.69% pa 3.69% pa

 

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Low Cost Home Loan

  Owner Occupied Investment
Loans $150,000 and above Rate p.a.^ Comp. rate# Rate p.a.^ Comp. rate#
20% deposit or more 3.89% pa 3.89% pa 4.54% pa 4.54% pa
At least 10% but less than 20% deposit 3.99% pa 3.99% pa 4.64% pa 4.64% pa

 

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Low Cost Home Loan (Value Package)

  Owner Occupied
Loans $150,000 and above Rate p.a.* Comp. rate#
20% deposit or more 3.68% pa 4.09% pa

 

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Qantas Points Home Loan

  Owner Occupied Investment
Loans $150,000 and above Rate p.a.+ Comp.rate# Rate p.a.+ Comp.rate#
20% deposit or more 4.04% pa 4.04% pa 4.69% pa 4.69% pa
At least 10% but less than 20% deposit 4.14% pa 4.14% pa 4.79% pa 4.79% pa

 

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Standard Variable Home Loan

  Owner Occupied Investment
  Rate p.a.^ Comp.rate# Rate p.a.^ Comp.rate#
20% deposit or more 4.58% pa 4.62% pa 5.19% pa 5.23% pa
At least 10% but less than 20% deposit 4.58% pa 4.62% pa 5.19% pa 5.23% pa
Less than 10% deposit 4.94% pa 4.98% pa 5.19% pa 5.23% pa

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Fixed Rate Home Loan

  Owner Occupied Investment
Term Rate p.a.~ Comp.rate# Rate p.a.~ Comp.rate#
1 Year Fixed Rate 3.89% pa 4.21% pa 4.39% pa 4.84% pa
2 Year Fixed Rate 3.89% pa 4.18% pa 4.39% pa 4.80% pa
3 Year Fixed Rate 3.99% pa 4.17% pa 4.39% pa 4.76% pa
4 Year Fixed Rate 4.19% pa 4.22% pa 4.59% pa 4.79% pa
5 Year Fixed Rate 4.19% pa 4.22% pa 4.79% pa 4.85% pa

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Home Access Loan

  Rate p.a. Comp. rate#
Home Access 4.58% pa 4.62% pa

 

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  Important Information

Loans are subject to approval. Normal lending criteria and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

^ Rate based on new owner occupied home loans for established homes and applications received from 11 December 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

~ Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 4.24% for Owner Occupier and 4.89% for Investment home loans. For current rates call us on 1300 747 747.

+ Available for new home loans over $150,000 for applications received from 21 November 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

# WARNING: 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. A loan for an established home of $150,000 with a 20% or more deposit, a term of 25 years and a monthly repayment frequency have been used to calculate our comparison rate. For the comparison rate on construction loans please call 1300 747 747.

* Rate based on applications for new owner occupier home loans for established homes over $150,000 with a deposit of 20% or more received from 23 April 2018. Principal and interest repayments only. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

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.

Rates current as at 23 April 2018.

 

 

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