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Comparison
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Special Offer Classic Discount Investor <90% LVR 4.35% ^ Investment Property 4.42% * Comparison Rate Variable Yes Yes No No Yes ~ Yes up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Discount Rate <95% LVR 3.84% 2 Owner Occupier 3.87% * Comparison Rate Variable Yes Yes No No Yes ~ Yes up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Discount Investor P&I <95% LVR 4.55% ^ Investment Property 4.62% * Comparison Rate Variable Yes Yes No No Yes ~ Yes up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 1 Year Fixed Investor <90% LVR 3.99% ^ Investment Property 4.88% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 3 Year Fixed Offer <95% LVR 3.62% 2 Owner Occupier 4.32% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 3 Year Fixed Investor <90% LVR 3.99% ^ Investment Property 4.73% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 1 Year Fixed Offer <95% LVR 3.62% 2 Owner Occupier 4.49% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Plus Investor new lending $500k+ 4.55% 5 Investment Property 4.85% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Plus New lending $500k+ 4.15% 5 Owner Occupier 4.46% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Classic Plus Investor $250k & above 4.80% Investment Property 5.10% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Plus New lending $250k-$499k 4.40% 5 Owner Occupier 4.70% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Classic Plus Investor $100k-$249k 4.95% Investment Property 5.24% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Plus New lending $100k-249k 4.55% 5 Owner Occupier 4.85% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 1 Year Fixed Investor 4.24% Investment Property 4.91% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 1 Year Fixed 3.89% Owner Occupier 4.50% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 2 Year Fixed Investor 4.24% Investment Property 4.85% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 2 Year Fixed 3.89% Owner Occupier 4.44% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 3 Year Fixed Investor 4.24% Investment Property 4.79% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 3 Year Fixed 3.89% Owner Occupier 4.40% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 4 Year Fixed Investor 4.59% Investment Property 4.86% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 4 Year Fixed 4.24% Owner Occupier 4.46% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 5 Year Fixed Investor 4.59% Investment Property 4.84% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 5 Year Fixed 4.24% Owner Occupier 4.43% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Classic Plus Overdraft Investor $250,000 & above 4.75% Investment Property N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft $250,000 & above 4.75% Owner Occupier N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft Investor $100,000-$249,999 4.90% Investment Property N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft $100,000-$249,999 4.90% Owner Occupier N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
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Disclaimer information Expand

~ Applies to owner-occupied loans only. Members will save up to $700 off standard QBANK, valuation, and mortgagee legal fees. Government charges and a $195 settlement fee still apply ($295 if construction loan).

# Offer ends 30 June 2019. The purchase and payment of a new QBE Home, Home Contents, Landlords or a Comprehensive Motor policy entitles the members to receive a 20% discount or $200 off their insurance premium, whichever is the lesser. Discount applies on first year premium only. Not available on renewals. Full terms and conditions available at qbank.com.au/terms. Please read the PDS available at qbank.com.au/insurance to decide if a product is right for you. Insurance issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 AFSL 239545.

* WARNING: This comparison rate applies only to the example above. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is calculated based on a loan amount of $150,000 over a 25 year term.

1 The $1,500 cash back offer applies to home loan refinance applications between 29 April and 30 June of $150,000 or more of new lending for both owner occupiers and investors. Applications must be settled within 60 days of the approval date to receive the cash back. Offer may be withdrawn at any time. The offer only applies if the member is refinancing a home loan to QBANK from another financial institution.

2 Valid for home loan applications of $150,000 or more of new lending for owner occupiers and is available for a limited time only. Interest only not available. To qualify, the customer must deposit a salary credit of at least $1,500 a month into a QBANK transaction account. Offer may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK members switching loans or internal refinances.

3 Additional repayments limited to $10,000 per annum to a maximum of $30,000 in any fixed rate period.

4 Not available on interest only. Fee for paper redraw applies.

5 Valid for Classic Plus home loan applications for more than $150,000 of new lending and is available for a limited time only. To qualify, the customer must deposit a salary credit of at least $1,500 a month into a QBANK transaction account. Offer may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK members switching loans or internal refinances.

Normal lending criteria applies. Interest rates current as at 23 May 2019 and are subject to change without notice.