Time for a new home this spring?

Spring clean your finances with our 3 year fixed rate home loan and you’ll go in the draw to win a $5,000 housewarming gift.

3.75 % p.a.6
4.36 % p.a.*
3 Year Fixed Rate
Comparison Rate

Win a $5,000 housewarming gift

Take out a QBANK home loan before 14 October 2018 and you'll go in the draw to win a $5,000 housewarming gift8. New furniture or holiday? You decide.

Plus, we'll spring clean your budget with up to 20% off your first year of home insurance#.

Featured Home Loans

Special Offer

Classic

Discount Rate <80% LVR

3.84 % p.a.2 Owner Occupier

3.87 % p.a.* Comparison rate

A low variable Home Loan rate with no monthly fees and flexible repayments.

  • Discount rate2 for new loans with salary credit
  • 5-star rated1
  • No monthly fees
Special Offer

Fixed Rate

3 Year Fixed Investor <80% LVR

4.05 % p.a.^ Investment Property

4.74 % p.a.* Comparison rate

Choose the stability of a fixed interest rate.

  • No monthly fees
  • No penalty for extra repayments3
  • Free online redraw4

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Compare home loans

Products
Home loans
Interest
Rate
Comparison
Rate
Fixed/
Variable
Additional
Repayments
Repayments
Redraw
Monthly
Fees
100% Offset
Account
Estab. Fees
Waived
Loan to
Valuation Ratio
Interest Only
Available
Split Loans
Available
Special Offer Classic Discount Investor <80% LVR 4.35% 2 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 <80% 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 Rate <90% LVR 4.16% 2 Owner Occupier 4.18% * Comparison Rate Variable Yes Yes No No Yes ~ Yes up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic Discount Investor <95% LVR 4.70% 2 Investment Property 4.77% * 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 4.41% 2 Owner Occupier 4.43% * 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 <80% LVR 3.99% ^ Investment Property 4.88% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 90% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 3 Year Fixed Offer <90% LVR 3.75% 6 Owner Occupier 4.36% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 90% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 3 Year Fixed Investor <80% LVR 4.05% ^ Investment Property 4.74% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 90% Yes Up to 90% LVR investor only (max 5 years) Yes
Special Offer Fixed Rate 1 Year Fixed Offer <90% LVR 3.62% 6 Owner Occupier 4.49% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 90% 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 <95% Owner Occupied, <90% Investor 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 <95% Owner Occupied, <90% Investor 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 <95% Owner Occupied, <90% Investor 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 <95% Owner Occupied, <90% Investor 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 <95% Owner Occupied, <90% Investor 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 <95% Owner Occupied, <90% Investor Yes up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 1 Year Fixed Investor 4.44% Investment Property 4.93% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 1 Year Fixed 3.99% Owner Occupier 4.52% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 2 Year Fixed Investor 4.49% Investment Property 4.89% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 2 Year Fixed 3.99% Owner Occupier 4.47% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 3 Year Fixed Investor 4.54% Investment Property 4.87% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor 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 ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 4 Year Fixed Investor 4.74% Investment Property 4.91% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 4 Year Fixed 4.59% Owner Occupier 4.59% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 5 Year Fixed Investor 4.74% Investment Property 4.90% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor Yes Up to 90% LVR investor only (max 5 years) Yes
Fixed Rate 5 Year Fixed 4.59% Owner Occupier 4.59% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ <95% Owner Occupied, <90% Investor 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
Print

Disclaimer information Expand

^ Valid for 1 and 3 year fixed rate home loan applications up to 80% LVR for investors approved after 6 August 2018 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.

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

# The purchase and payment of a new QBE Home, Home Contents, Landlords or a Comprehensive Motor policy entitles the member to receive a 20% discount or $200 off their insurance premium, whichever is the lesser. Discount applies on first year premium only.

* 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 Award winning refers to QBANK's 3 Year fixed rate home loan and Classic Home Loan from Canstar.

2 Valid for Classic home loan applications for more than $150,000 of new lending approved after 1 June 2018 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.

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 home loan applications for more than $150,000 of new lending approved after 1 June 2018 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.

6 Valid for 1 and 3 year fixed rate principal and interest home loan applications up to 90% LVR for owner occupiers approved after 6 August 2018 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.

7 If further funds are required during the fixed rate term, an additional loan can be established as a split loan.

8 The promotion is called 'Win a $5,000 housewarming gift'. The promotion is available to (i) those who take out a home loan with QBANK, or refinance their existing home loan, of $150,000 or greater during the Promotion Period ii) who are not directors, management or employees, or their immediate family members, of the Promoter or its related companies or agencies associated with the Competition. If the home loan is being refinanced The Promotion only applies if the member is switching a home loan to QBANK from another financial institution. The Promotion Period commences 9.00am on 6 August 2018 and closes at 5.00pm on 14 October 2018. Home loan applications must be received on or before 5.00pm, 14 October 2018. The Promotion applies to applications submitted between 6 August – 14 October, and settled from 6 August, through to 60 days after the close of The Promotion, 6 December 2018. The first valid entry drawn on 16 October will receive $5,000 deposited into their QBANK Everyday Plus bank account on settlement of their home loan. The winner will be notified by phone or email. Prizes are not transferable or exchangeable.

Terms and Conditions - Win a $5,000 housewarming gift. Terms and Conditions - Up to 20% off home & motor insurance. Normal lending criteria applies. Interest rates current as at 6 August 2018 and are subject to change without notice.

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