Fixed Rate Home Loan

Choose the stability of a fixed interest rate.

3.62 % p.a.2
4.32 % p.a.*
3 Year Fixed Offer <95% LVR
Comparison Rate

$1,500 cashback offer1

Switch your home loan to us for $1,500 in your pocket.

Choose the stability of a fixed interest rate.

Fixed Rate Home Loans
Product name Owner Occupier Comparison Rate
Special Offer

3 Year Fixed Offer <95% LVR

3.62 % p.a.2 Owner Occupier

4.32 % p.a.* Comparison rate

Special Offer

1 Year Fixed Offer <95% LVR

3.62 % p.a.2 Owner Occupier

4.49 % p.a.* Comparison rate

1 Year Fixed

3.89 % p.a. Owner Occupier

4.50 % p.a.* Comparison rate

2 Year Fixed

3.89 % p.a. Owner Occupier

4.44 % p.a.* Comparison rate

3 Year Fixed

3.89 % p.a. Owner Occupier

4.40 % p.a.* Comparison rate

4 Year Fixed

4.24 % p.a. Owner Occupier

4.46 % p.a.* Comparison rate

5 Year Fixed

4.24 % p.a. Owner Occupier

4.43 % p.a.* Comparison rate

Our Fixed Rate Home Loans provide flexibility with added peace of mind, should interest rates increase. That means you can know exactly how much your repayments are going to be throughout the fixed term period. Once your term ends, you can refix for another term of your choice.

Features

No monthly fees

No penalty for extra repayments up to $30k3

Free online redraw for P&I loans

Special: save up to $700 on upfront fees~

Optional 20% off a new home insurance policy#

Facts

Product facts
Interest Type
Fixed
Minimum Loan Amount
$50,000
Maximum Loan Term
30 years
Additional Repayments
Yes, 3
Repayment Redraw
Yes, 4
Monthly Fee
No
100% Offset Account
No
Interest Only Available
Yes, Up to 90% LVR investor only (max 5 years)
Establishment Fees Waived
Yes, ~
Top-up Loan Available
Yes, 7
Split Loans Available
Yes
Loan To Valuation Ratio (LVR)
Up to 95%
Loan purpose
Owner occupied or investment
Security
Registered first mortgage over residential property
Borrowers
Individual or joint
Construction Loans Available
No
Loan Portable
Yes
Repayment Frequency
Weekly, fortnightly or monthly
Statement Frequency
Quarterly

Investor rates

Fixed Rate Home Loans
Product name Investment Property Comparison Rate
Special Offer

3 Year Fixed Investor <90% LVR

3.99 % p.a.^ Investment Property

4.73 % p.a.* Comparison rate

Special Offer

1 Year Fixed Investor <90% LVR

3.99 % p.a.^ Investment Property

4.88 % p.a.* Comparison rate

1 Year Fixed Investor

4.24 % p.a. Investment Property

4.91 % p.a.* Comparison rate

2 Year Fixed Investor

4.24 % p.a. Investment Property

4.85 % p.a.* Comparison rate

3 Year Fixed Investor

4.24 % p.a. Investment Property

4.79 % p.a.* Comparison rate

4 Year Fixed Investor

4.59 % p.a. Investment Property

4.86 % p.a.* Comparison rate

5 Year Fixed Investor

4.59 % p.a. Investment Property

4.84 % p.a.* Comparison rate

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.

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

Ready when you are

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13 77 28

8:45am to 4:30pm Mon-Fri

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We're not just another bank

As a member owned bank, our profits go back to members in the form of award winning products, low rates and low fees. Our credit criteria is tailored around our unique community, those who serve and protect Queensland. We take into account overtime, shift penalties and 100% allowances for those in essential services.