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Rates & Fees - Home Loans

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Low Cost Home Loan Welcome Rate^

Owner Occupied Rates

  10% or more deposit Less than 10% deposit
Loan amount Rate p.a. Comp. rate# Rate p.a. Comp. rate#
$150,000 to $249,999.99 4.34% pa 4.34% pa N/A N/A
$250,000 to $499,999.99 3.99% pa 3.99% pa 4.09% pa 4.09% pa
$500,000 to $749,999.99 3.99% pa 3.99% pa 4.09% pa 4.09% pa
$750,000 to $999,999.99 3.99% pa 3.99% pa 4.09% pa 4.09% pa
$1 million & over 3.99% pa 3.99% pa 4.09% pa 4.09% pa

Investment Rates

  10% or more deposit Less than 10% deposit
Loan amount Rate p.a. Comp. rate# Rate p.a. Comp. rate#
$150,000 to $249,999.99 4.74% pa 4.74% pa 4.74% pa 4.74% pa
$250,000 to $499,999.99 4.64% pa 4.64% pa 4.74% pa 4.74% pa
$500,000 to $749,999.99 4.64% pa 4.64% pa 4.74% pa 4.74% pa
$750,000 to $999,999.99 4.59% pa 4.59% pa 4.74% pa 4.74% pa
$1 million & over 4.54% pa 4.54% pa 4.74% pa 4.74% pa

^Available for new owner occupier home loans over $250,000, with a deposit of 10% or more for applications received from 20 July 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

 

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Qantas Points Home Loan Welcome Rate+

  Owner Occupied Investment
Loan Amount Rate p.a. Comp.rate# Rate p.a. Comp.rate#
$150,000 & over 4.19% pa 4.19% pa 4.79% pa 4.79% pa

+Available for new owner occupier home loans over $150,000, with a deposit of 10% or more for applications received from 20 July 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

 

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Fixed Rate Home Loans

  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 4.62% pa
2 Year Fixed Rate 3.89% pa 4.18% pa 4.39% pa 4.59% pa
3 Year Fixed Rate 4.09% pa 4.20% pa 4.39% pa 4.57% pa
4 Year Fixed Rate 4.39% pa 4.29% pa 4.59% pa 4.62% pa
5 Year Fixed Rate 4.49% pa 4.34% pa 4.79% pa 4.70% pa

On expiration of the fixed rate period, the interest rate reverts to the relevant variable rate Low Cost Home Loan tier for an amount of $250,000; currently 4.24% p.a. for owner occupied and 4.64% for investment loans.


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Other Home/Investment Loans

Loans Rate p.a. Comp. rate#
Home/Investment Access 4.58% pa 4.62% pa
Standard Variable Rate - Owner Occupied 4.58% pa 4.62% pa
Standard Variable Rate - Investment
5.19% pa 5.23% pa

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  Important Information

Loans are subject to approval, terms and conditions and fees and charges. Normal lending criteria apply. Terms and Conditions are available on request. #WARNING: This comparison rate applies to the example or the 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, monthly repayment frequency and a term of 25 years.

Rates current as at 20 July 2017.