Additional repayments

Interest rate announcement: Following the RBA’s decision to change the official cash rate, interest rates for owner-occupier and investor variable loans will increase by 0.25%, effective 15 October 2026. From 15 October 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.

Monday 5 October: We've updated our Savings Accounts and Payment Services Terms and Conditions to reflect the retirement of barcode deposit books and to improve the clarity of certain terms. Learn more.

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FAQs

Can I make additional repayments on my home loan?

[Fixed Rate Loans] Yes, you can make additional repayments on your fixed-rate home loan of up to $10,000 a year without incurring break costs. For payments, greater than $10,000 per year break costs may be payable.

[Variable Rate Loans] Yes, you can make unlimited additional repayments on Qudos Bank's variable interest home loans.Use our Extra Repayments Calculator to help you better manage your loan.

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Acknowledgment of country

We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head office is located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria.

We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.

Can I make additional repayments on my home loan?

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