Now is the time to switch

Get $1,000 cash back when you refinance your home loan with QBANK1. Plus, you’ll receive up to 20% off any new home insurance policy#.

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

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$1,000 cash back offer

Get $1,000 cash back when you refinance your home loan with QBANK1. Plus, you’ll receive up to 20% off any new home insurance policy#.

Featured Home Loans

Special Offer

Classic

Discount Rate <90% 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
  • $1,000 refinance cashback offer1
  • No monthly fees
Special Offer

Fixed Rate

3 Year Fixed Investor <90% 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

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 <90% 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 <90% 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 <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 4.25% 2 Owner Occupier 4.27% * 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 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 <90% 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 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 4.44% Investment Property 4.93% * 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 3.99% Owner Occupier 4.52% * 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 4.49% Investment Property 4.89% * 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 3.99% Owner Occupier 4.47% * 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 4.54% Investment Property 4.87% * 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 4.74% 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 4 Year Fixed 4.59% Owner Occupier 4.59% * 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 4.74% Investment Property 4.90% * 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 4.59% Owner Occupier 4.59% * 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

^ Valid for 1 and 3 year fixed rate home loan applications of $150,000 or more of new lending up to 90% LVR for investors approved after 3 October 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, or Landlords policy during the Promotion Period 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 The $1,000 cashback offer applies to home loan refinance applications between 3 October and 3 December 2018 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 cashback. 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 Classic home loan applications for more than $150,000 of new lending approved after 24 October 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 Plus 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 of $150,000 or more of new lending up to 90% LVR for owner occupiers approved after 3 October 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.

Normal lending criteria applies. Interest rates current as at 24 October 2018 and are subject to change without notice.

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