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Rate
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Additional
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Estab. Fees
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Valuation Ratio
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Special Offer Classic Discount Investor <90% LVR 3.39% ^ Investment Property 3.46% * 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 3.30% 2 Owner Occupier 3.33% * Comparison Rate Variable Yes Yes No No Yes ~ Yes up to 90% LVR investor only (max 5 years) Yes
Special Offer Classic First Home Buyer (Max LVR 95% + LMI) 3.30% 1 Owner Occupier 3.33% * 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 3.90% ^ Investment Property 3.97% * 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 3.04% 2 Owner Occupier 3.07% * 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 3.19% ^ Investment Property 4.33% * 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 2.94% 2 Owner Occupier 3.77% * 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 3.19% ^ Investment Property 4.13% * 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 2.94% 2 Owner Occupier 3.95% * 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 Classic Plus Investor Rate 4.67% Investment Property 4.97% * 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 Discount Rate <90% LVR 3.34% 5 Owner Occupier 3.66% * 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 Discount Rate <95%LVR 3.60% 5 Owner Occupier 3.92% * Comparison Rate Variable Yes Yes $25 Yes Yes Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Classic Plus Classic Plus Rate 4.32% 5 Owner Occupier 4.63% * 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 3.69% Investment Property 4.38% * 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 3.34% Owner Occupier 3.98% * 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 3.69% Investment Property 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
Fixed Rate 2 Year Fixed 3.34% Owner Occupier 3.92% * 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 3.69% Investment Property 4.26% * 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 3.34% Owner Occupier 3.87% * 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 4 Year Fixed Investor 3.99% Investment Property 4.31% * 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 3.64% Owner Occupier 3.92% * 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 3.99% Investment Property 4.28% * 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 3.64% Owner Occupier 3.89% * Comparison Rate Fixed Yes 3 Yes 4 No No Yes ~ Up to 95% Yes Up to 90% LVR investor only (max 5 years) Yes
Classic Plus Overdraft Investor $250,000 & above 4.22% Investment Property N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft $250,000 & above 4.22% Owner Occupier N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft Investor $100,000-$249,999 4.37% Investment Property N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Classic Plus Overdraft $100,000-$249,999 4.37% Owner Occupier N/A Variable Yes Yes $25 No Yes Up to 80% No Yes
Print

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).

# The purchase and payment of a new QBE Home, Home Contents, Landlords or a Comprehensive Motor policy entitles the member to save 20% off the first year of your premium (capped at $200). Discount applies on first year premium only. Not available on renewals. Full terms and conditions available at qbank.com.au/terms. Offer may be withdrawn at any time. 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 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.

1 Minimum deposit of 5% (plus any additional costs) required to be eligible. LMI required for loans exceeding 80% LVR. Total LVR including LMI not to exceed 100% LVR. To be eligible; a salary credit of at least $1500 per month must be deposited into your QBANK transaction account. This offer is valid for home loan applications of $150,000 or more of new lending for first home buyers. Interest only not available. Subject to lenders mortgage insurance approval. Applies to owner-occupied loans only.

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.

Credit eligibility criteria, terms and conditions, fees and charges apply. Interest rates current as at 3 December 2019 and are subject to change without notice.

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