First Home Buyers <95% LVR including LMI

Get into your home sooner - choose from a variety of Variable and Fixed Rate Home Loans

To be eligible for Special Offer loans; a salary credit of at least $1,500 per month 
must be deposited into your QBANK transaction account. 

First Home Buyers <95% LVR including LMI Features

Saving your first deposit can be difficult, you’ve got your work cut out for you before you even start looking for your first home. Thankfully QBANK are here to help. These offers have a range of features^:

  • LMI required for loans exceeding 80% LVR
  • Full pre-approval service valid for three months. You can look for your first property knowing that you have been conditionally approved for a loan with us1
  • Choose from a range of variable or fixed rates 

Please note: This calculation is subject to assumptions on a Queensland property purchase and is subject to change. Lenders Mortgage Insurance (LMI) calculations based on Loan amount, LVR, Security and Borrowing Purpose.

Buy your first home with QBANK and, if you take out Home & Contents insurance through us, you will be eligible to receive a 20% discount or $200 off your Home & Contents insurance the first year’s premium, whichever is the lesser.4

Saving for your first home should not take forever. To find out if you are eligible to become a QBANK member and take out a home loan with us, call us on 13 77 28 or make an appointment with one of our home loan specialists by requesting a call back below.

Request a Call Back

Please complete the form below and one of our staff will call you back at the first available time.

Please Note: QBANK collects and uses the information provided in this form to contact you to provide you with further information about our products and services. Our Privacy Policy available here contains information on accessing and seeking correction of your personal information and making complaints about breaches of the Australian Privacy Principles and how QBANK deals with the complaint.

Are you a member?*
Preferred contact time

Please enter all required fields

Home Buyers Hub

Whether you’re a first time buyer, buying your next home, looking to refinance, or wanting to invest, the Home Buyers Hub has you covered.

Find out more

Free Property Report

Whatever stage you're at, use our Property Reports as your guide to the housing market.

Find out more

Important information:  

Credit eligibility criteria, terms and conditions, fees and charges apply.  

*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.The comparison rate displayed is calculated based on a loan amount of $150,000 over a 25 year term.

^Interest only not available. Subject to lenders mortgage insurance approval. 

1. Pre-approval service provides a conditional loan approval. Approval by the bank and the lenders mortgage insurer and is valid for 3 months from time of approval. It is subject to valuation of the secured property that must be acceptable to the bank. Other conditions may apply.

2. Valid for home loan applications of $150,000 or more of new lending for owner occupiers approved after 9 February 2021 and is available for a limited time only. Interest only not available. Offer may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK members switching loans or internal refinances.

3. After the expiry of the fixed rate period, the interest rate changes to QBANK’s Classic Variable Rate (currently 3.84%p.a.)

4. This product is issued by QBE Insurance (Australia) Limited (ABN 78 00 3 1 91 035, AFS License 239545). Please read the PDS available at before acquiring this product in considering and deciding whether this is right for you. Not available on renewals.