View Our Range of Home Loan Rates

View the rate tables below or download our interest rate brochure.

No Frills Home Loan

Owner-occupied  Interest Rate Comparison Rate
30% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
20% - 30%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

 

Low Cost Home Loan

Owner-occupied  Interest Rate Comparison Rate
30% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
20% - 30%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
10% - 20%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

 

Low Cost Home Loan (Value Package)^

Owner-occupied  Interest Rate Comparison Rate
30% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
20% - 30%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
10% - 20%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

^A package fee of $395 is payable annually.


 

Qantas Points Home Loan^^

Owner-occupied  Interest Rate Comparison Rate
20% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
10% - 20%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

^^Qantas points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions, available on our Legal webpage.


 

Standard Variable Rate Home Loan**

Owner-occupied  Interest Rate Comparison Rate
20% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
10% - 20%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
Less than 10% deposit
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

**Principal & Interest or interest only repayments available (subject to approval). A $600 establishment fee applies.


 

Construction Loan++

Owner-occupied  Interest Rate Comparison Rate
20% deposit or more
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.
10% - 20%
Principal & Interest 2.49% p.a. 2.49% p.a.
Interest Only 2.49% p.a. 2.49% p.a.

++ A $600 establishment fee applies.


 

Other Home/Investment Loans++

Loan Type Interest rate
Home/Investment Access 3.78% p.a.

++ A $600 establishment fee applies

 

No Frills Home Loan

  30% deposit or more 20% - 30%
Loan amount $150,000+ Interest rate Comparison rate Interest rate Comparison rate
P&I 2.49% p.a. 2.49% p.a. 2.59% p.a. 2.59% p.a.
Interest Only 3.64% p.a. 2.98% p.a. 3.64% p.a. 2.98% p.a.

 

Low Cost Home Loan

  30% deposit or more 20% - 30% 10% - 20%
Loan $150,000+ Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
P&I 2.89% p.a. 2.89% p.a. 2.99% p.a. 2.99% p.a. 3.29% p.a. 3.29% p.a.
Interest Only 3.84% p.a. 3.31% p.a. 3.84% p.a. 3.31% p.a. 4.04% p.a. 3.39% p.a.

 


 

Low Cost Home Loan (Value Package)^

  30% deposit or more 20% - 30% 10% - 20%
Loan $150,000 and above Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
Principal & Interest 2.79% p.a. 3.22% p.a. 2.89% p.a. 3.32% p.a. 3.19% p.a. 3.61% p.a.
Interest Only 3.74% p.a. 3.59% p.a. 3.74% p.a. 3.59% p.a. 3.94% p.a. 3.67% p.a.

^A package fee of $395 is payable annually.


 

Qantas Points Home Loan^^

  20% deposit or more 10% - 20%
Loan $150,000 and above Interest rate Comparison Rate Interest rate Comparison Rate
Principal & Interest 3.19% p.a. 3.19% p.a. 3.39% p.a. 3.39% p.a.
Interest Only 3.94% p.a. 3.48% p.a. 4.14% p.a. 3.55% p.a.

^^Qantas points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions, available on our Legal webpage


 

Standard Variable Rate Home Loan**

  20% deposit or more 10% - 20% Less than 10% deposit
Loan $150,000 and above Interest rate Comparison Rate Interest rate Comparison Rate Interest rate Comparison Rate
Principal & Interest 3.69% p.a. 3.73% p.a. 3.89% p.a. 3.93% p.a. 3.99% p.a. 4.03% p.a.
Interest Only 4.44% p.a. 4.02% p.a. 4.64% p.a. 4.10% p.a. 4.74% p.a. 4.14% p.a.

**Principal and interest or interest only repayments available (subject to approval). A $600 establishment fee applies.


 

Construction Loan++

  20% deposit or more 10% - 20%
Loan $150,000 and above Interest rate Comparison Rate Interest rate Comparison Rate
Interest Only 3.09% p.a. 3.03% p.a. 3.29% p.a.   3.05% p.a.

++ A $600 establishment fee applies.

 

Other Home/Investment Loans++

Loan Type Interest rate
Home/Investment Access   4.28% p.a.

++ A $600 establishment fee applies.

 


 

Footnotes:

  • 1 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022 for loan amounts over $150,000. Minimum deposit of 20%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest No Frills Home Loan with a deposit or equity of 20% or more, currently 2.59% for owner occupied loans and 3.34% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 2 WARNING: This comparison rate applies 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. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.
  • 3 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, currently 2.99% for owner occupied loans and 3.54% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 4 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Low Cost Value Package Home Loan with a deposit or equity of 20% or more, currently 2.89% for owner occupied loans and 3.44% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 5 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Qantas Points Home Loan with a deposit or equity of 20% or more, currently 3.19% for owner occupied loans and 3.64% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 6 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022​​ for loan amounts over $150,000. Minimum deposit of 5%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Standard Variable Home Loan with a deposit or equity of 20% or more, currently 3.69% for owner occupied loans and 4.14% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 7 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 17 June 2022​​ for loan amounts over $150,000. After completion of construction, your interest rate will revert to the current interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, currently 2.99% for owner occupied loans and 3.54% for investment loans.
  • 8 WARNING: This comparison rate applies 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. Our comparison rate assumes a loan of $150,000 for 25 years. The comparison rate is based on a 12 months interest only period, reverting to the interest rate applicable to a principal and interest Low Cost Home Loan with the relevant purpose (i.e. owner-occupied or investment) and deposit amount.