What is a variable rate home loan?

Products
- Home loans
  View home loans
  Discover our range of home loan offers with flexible options and great features that could help you save.
  
  No frills home loan
  Our lowest home loan interest rate with no bank fees and unlimited extra repayments
  
  Low cost home loan
  Our most popular low rate home loan with multiple offsets, no bank fees, extra repayments and redraw.
  
  Fixed rate home loan
  Our fixed interest rate home loan safeguards you from interest rate rises with fixed home loan rates for 1 to 5 year terms.
  
  Construction loan
  Renovating or building your dream home? Our construction loan could be right for you.
  
  Low cost home loan (value package)
  Our award-winning low-cost home loan, packed with additional benefits for an annual package fee of $199.
  
  Qantas points home loan
  Earn Qantas Points year after year with our Qantas Points Home Loan.
  
  Variable rate home loan
  A flexible loan with a variable interest rate, no minimum loan amount and a one-off establishment fee.
  
  Home access loan
  A revolving line of credit secured against your property.
  
  Compare our home loans
  Choosing a home loan can be confusing. Our home loan comparison will help you find the loan that suits you.
  
  Refinance your home loan
  Here is everything you need to know about switching your home loan
  
  Home Loan FAQs
  Your home loan frequently asked questions answered.
- Savings accounts
  View All Savings Accounts
  Learn more about our competitive rates
  
  General savings account
  Your everyday account, and a gateway to easy banking.
  
  Qantas Points saver
  With a Qantas Points Saver not only will you receive a competitive interest rate on your savings, but you'll also earn Qantas Points.
  
  Bonus saver
  Get what you want sooner with a great bonus on your savings. A Bonus Saver could be the perfect way for you to save big.
  
  Term deposit
  Safeguard your savings with a Qudos Bank fixed rate term deposit account. Our competitively high interest rate deposits are hard to beat.
  
  QSaver
  If you want a big interest rate on your savings but still want access to it for everyday spending then Qsaver could be just what you're after.
  
  Cash management account
  Our Cash Management Account is ideal for those seeking a complete deposit account with a great rate and easy access to funds.
  
  Youth membership account
  Join the Qudos Bank family at any age.
  
  Compare our savings accounts
  Compare our range of transaction and savings accounts.
  
  Government guarantee on deposits
  Your money is protected with us.
  
  Visa debit card
  Your everyday banking is made easy with our Visa Debit Card, a convenient and secure way to pay.
- Credit cards
  View all credit cards
  We have developed a range of credit cards to meet your needs at the most competitive rates.
  
  Lifestyle credit card
  If you're after a low rate with no fees, the Lifestyle Credit Card may be the everyday credit card for you.
  
  Lifestyle plus credit card
  If you're looking for more freedom in your credit card, our low rate and $0 fees Visa Lifestyle Plus credit card is for you.
  
  Visa platinum credit card
  Earn Qantas Points on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.
  
  Compare our credit cards
  Compare the rates and features on our Lifestyle, Lifestyle Plus and Visa Platinum Credit Card so you can find the right one for you.
- Personal loans
  View all personal loans
  Great rates and no or low fees on any of our personal loans products.
  
  Car loan
  Take the road to freedom with our low interest secured car loan
  
  Personal loan
  Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.
  
  Qantas points car loan
  With a Qantas Points Car Loan you'll start learning Qantas Points from day one, making your next trip a reality sooner than you think.
  
  Unsecured personal overdraft
  Giving you access to extra cash
  
  Compare our personal loans
  Compare the rates and features on Car Loans, Qantas Points Loan, Personal Loans, and Unsecured Personal Overdrafts so you can find the right one for you.
- Super & investing
  View all Super & investing
  We have a dedicated team to help you plan for the future to help you build prosperity and security.
  
  DIY super saver
  Give your Self-Managed Super Fund a boost
  
  Retirement Savings Account
  The Retirement Savings Account (Qudos RSA) is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.
- Insurance
- International money
  All International money services
  Our association with Convera creates a one-stop shop for international and domestic transactions of any size.
  
  Foreign cards
  If you're travelling overseas, we've got you covered. Our foreign cards give you flexibility and confidence while travelling.
  
  Sending money overseas
  If you need to send money overseas, we have a number of ways you can transfer.
  
  Receiving money from overseas
  There are now over 35 currencies to choose from when sending payments to Australia.
About us
- Who we are
  About Qudos Bank
  Founded over 60 years ago as Qantas Credit Union, we are a customer-owned bank with a full range of banking products and services.
  
  Our history
  This timeline tells the story of the remarkable achievements and success of the organisation and the people who contributed to one of Australia’s great banking stories.
  
  Our awards
  We’ve been recognised across several categories for our range of outstanding products and services.
  
  Our values
  At Qudos Bank we live and breathe our values and these values are the foundations of how we operate.
  
  Customer owned banking
  Outstanding services and fairer fees
  
  Qudos Bank Arena
  If you're heading to Qudos Bank Arena, escape the crowds and relax in the Qudos Bank Member Lounge.
  
  The Qudos Difference
  Outstanding services and fairer fees
- Careers
- Ways to bank
  All your ways to bank
  We make banking with us easy and convenient
  
  Digital banking
  Bank on the go anywhere, anytime.
  
  Deposits and Withdrawals
  Access your money your way
  
  Contact Centre
  Talk to a customer service specialist today!
  
  Our branches
  Visit our friendly personal bankers at one of our branch locations
  
  Payments and Transfers
  We offer a range of ways to bank, making banking with us easy and convenient.
  
  Accessible Banking
  Our services have a range of accessible features that ensure ease of banking.
- Corporate information
- Annual General Meeting
- Corporate responsibility
News, tools & tips
Support
- Fraud & security
- Financial support
  Financial hardship
  Financial hardship is the difficulty in paying your bills, loan repayments and other expenses. Qudos Bank is here to help provide financial assistance.
  
  Financial abuse
  Financial abuse is where an abuser uses finances and money to control another person.
  
  Elder abuse
  Elder abuse is where a single or repeated act causes harm or distress to an older person.
  
  Deceased Estates
  Here is some helpful information about how we can help you through the process of managing your loved one’s banking affairs.
  
  Power of Attorney
  Find all the information you need to give someone authority to your accounts and how you can start that process.
- Disputes & complaints
  Transaction disputes
  If you think you’ve discovered a transaction you don’t recognise or haven’t authorised, you can lodge a transaction dispute.
  
  Complaints resolution
  As part of our commitment to maintaining customer satisfaction, Qudos Bank offers an internal dispute resolution procedure that is readily accessible and free
  
  Payment Service Availability Reporting
  The Reserve Bank of Australia require us to regularly disclose reporting on availability and ‘significant’ outages or incidents for retail payment services.
- Legal
- FAQs
- Open banking
Contact us

Products
- Home loans
  View home loans
  Discover our range of home loan offers with flexible options and great features that could help you save.
  
  No frills home loan
  Our lowest home loan interest rate with no bank fees and unlimited extra repayments
  
  Low cost home loan
  Our most popular low rate home loan with multiple offsets, no bank fees, extra repayments and redraw.
  
  Fixed rate home loan
  Our fixed interest rate home loan safeguards you from interest rate rises with fixed home loan rates for 1 to 5 year terms.
  
  Construction loan
  Renovating or building your dream home? Our construction loan could be right for you.
  
  Low cost home loan (value package)
  Our award-winning low-cost home loan, packed with additional benefits for an annual package fee of $199.
  
  Qantas points home loan
  Earn Qantas Points year after year with our Qantas Points Home Loan.
  
  Variable rate home loan
  A flexible loan with a variable interest rate, no minimum loan amount and a one-off establishment fee.
  
  Home access loan
  A revolving line of credit secured against your property.
  
  Compare our home loans
  Choosing a home loan can be confusing. Our home loan comparison will help you find the loan that suits you.
  
  Refinance your home loan
  Here is everything you need to know about switching your home loan
  
  Home Loan FAQs
  Your home loan frequently asked questions answered.
- Savings accounts
  View All Savings Accounts
  Learn more about our competitive rates
  
  General savings account
  Your everyday account, and a gateway to easy banking.
  
  Qantas Points saver
  With a Qantas Points Saver not only will you receive a competitive interest rate on your savings, but you'll also earn Qantas Points.
  
  Bonus saver
  Get what you want sooner with a great bonus on your savings. A Bonus Saver could be the perfect way for you to save big.
  
  Term deposit
  Safeguard your savings with a Qudos Bank fixed rate term deposit account. Our competitively high interest rate deposits are hard to beat.
  
  QSaver
  If you want a big interest rate on your savings but still want access to it for everyday spending then Qsaver could be just what you're after.
  
  Cash management account
  Our Cash Management Account is ideal for those seeking a complete deposit account with a great rate and easy access to funds.
  
  Youth membership account
  Join the Qudos Bank family at any age.
  
  Compare our savings accounts
  Compare our range of transaction and savings accounts.
  
  Government guarantee on deposits
  Your money is protected with us.
  
  Visa debit card
  Your everyday banking is made easy with our Visa Debit Card, a convenient and secure way to pay.
- Credit cards
  View all credit cards
  We have developed a range of credit cards to meet your needs at the most competitive rates.
  
  Lifestyle credit card
  If you're after a low rate with no fees, the Lifestyle Credit Card may be the everyday credit card for you.
  
  Lifestyle plus credit card
  If you're looking for more freedom in your credit card, our low rate and $0 fees Visa Lifestyle Plus credit card is for you.
  
  Visa platinum credit card
  Earn Qantas Points on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.
  
  Compare our credit cards
  Compare the rates and features on our Lifestyle, Lifestyle Plus and Visa Platinum Credit Card so you can find the right one for you.
- Personal loans
  View all personal loans
  Great rates and no or low fees on any of our personal loans products.
  
  Car loan
  Take the road to freedom with our low interest secured car loan
  
  Personal loan
  Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.
  
  Qantas points car loan
  With a Qantas Points Car Loan you'll start learning Qantas Points from day one, making your next trip a reality sooner than you think.
  
  Unsecured personal overdraft
  Giving you access to extra cash
  
  Compare our personal loans
  Compare the rates and features on Car Loans, Qantas Points Loan, Personal Loans, and Unsecured Personal Overdrafts so you can find the right one for you.
- Super & investing
  View all Super & investing
  We have a dedicated team to help you plan for the future to help you build prosperity and security.
  
  DIY super saver
  Give your Self-Managed Super Fund a boost
  
  Retirement Savings Account
  The Retirement Savings Account (Qudos RSA) is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.
- Insurance
- International money
  All International money services
  Our association with Convera creates a one-stop shop for international and domestic transactions of any size.
  
  Foreign cards
  If you're travelling overseas, we've got you covered. Our foreign cards give you flexibility and confidence while travelling.
  
  Sending money overseas
  If you need to send money overseas, we have a number of ways you can transfer.
  
  Receiving money from overseas
  There are now over 35 currencies to choose from when sending payments to Australia.
About us
- Who we are
  About Qudos Bank
  Founded over 60 years ago as Qantas Credit Union, we are a customer-owned bank with a full range of banking products and services.
  
  Our history
  This timeline tells the story of the remarkable achievements and success of the organisation and the people who contributed to one of Australia’s great banking stories.
  
  Our awards
  We’ve been recognised across several categories for our range of outstanding products and services.
  
  Our values
  At Qudos Bank we live and breathe our values and these values are the foundations of how we operate.
  
  Customer owned banking
  Outstanding services and fairer fees
  
  Qudos Bank Arena
  If you're heading to Qudos Bank Arena, escape the crowds and relax in the Qudos Bank Member Lounge.
  
  The Qudos Difference
  Outstanding services and fairer fees
- Careers
- Ways to bank
  All your ways to bank
  We make banking with us easy and convenient
  
  Digital banking
  Bank on the go anywhere, anytime.
  
  Deposits and Withdrawals
  Access your money your way
  
  Contact Centre
  Talk to a customer service specialist today!
  
  Our branches
  Visit our friendly personal bankers at one of our branch locations
  
  Payments and Transfers
  We offer a range of ways to bank, making banking with us easy and convenient.
  
  Accessible Banking
  Our services have a range of accessible features that ensure ease of banking.
- Corporate information
- Annual General Meeting
- Corporate responsibility
News, tools & tips
Support
- Fraud & security
- Financial support
  Financial hardship
  Financial hardship is the difficulty in paying your bills, loan repayments and other expenses. Qudos Bank is here to help provide financial assistance.
  
  Financial abuse
  Financial abuse is where an abuser uses finances and money to control another person.
  
  Elder abuse
  Elder abuse is where a single or repeated act causes harm or distress to an older person.
  
  Deceased Estates
  Here is some helpful information about how we can help you through the process of managing your loved one’s banking affairs.
  
  Power of Attorney
  Find all the information you need to give someone authority to your accounts and how you can start that process.
- Disputes & complaints
  Transaction disputes
  If you think you’ve discovered a transaction you don’t recognise or haven’t authorised, you can lodge a transaction dispute.
  
  Complaints resolution
  As part of our commitment to maintaining customer satisfaction, Qudos Bank offers an internal dispute resolution procedure that is readily accessible and free
  
  Payment Service Availability Reporting
  The Reserve Bank of Australia require us to regularly disclose reporting on availability and ‘significant’ outages or incidents for retail payment services.
- Legal
- FAQs
- Open banking
Contact us

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