Interest rate increase – Thursday 5 February: 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 19 February 2026. From 19 February 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.
Most Qudos Bank Home Loans offer two repayments types, these are:
The difference between the two is that principal and interest repayments mean you will be paying down your principal balance (as well as interest it accrues) from your first repayment. Whereas, with interest-only repayments, the principal balance will not be reduced and interest continues to be calculated during this period.
*Interest only 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.
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 offices are located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria, and the land of the Gadigal people of the Eora Nation in New South Wales.
We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.
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