Fixed Rate Home Loan

Choose the stability of a fixed interest rate.

3.34 % p.a.2
3.98 % p.a.*
3 Year Fixed Offer <95% LVR
Comparison Rate

We'd like to make buying your home easy and affordable.

We understand that, for most of us, buying a home is the biggest purchase we'll ever make.

Find out more

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

3.34 % p.a.2 Owner Occupier

3.98 % p.a.* Comparison rate

Special Offer

1 Year Fixed Offer <95% LVR

3.34 % p.a.2 Owner Occupier

4.12 % p.a.* Comparison rate

1 Year Fixed

3.54 % p.a. Owner Occupier

4.14 % p.a.* Comparison rate

2 Year Fixed

3.54 % p.a. Owner Occupier

4.08 % p.a.* Comparison rate

3 Year Fixed

3.54 % p.a. Owner Occupier

4.03 % p.a.* Comparison rate

4 Year Fixed

3.84 % p.a. Owner Occupier

4.08 % p.a.* Comparison rate

5 Year Fixed

3.84 % p.a. Owner Occupier

4.06 % 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

3.59 % p.a.^ Investment Property

4.34 % p.a.* Comparison rate

Special Offer

1 Year Fixed Investor <90% LVR

3.59 % p.a.^ Investment Property

4.50 % p.a.* Comparison rate

1 Year Fixed Investor

3.89 % p.a. Investment Property

4.53 % p.a.* Comparison rate

2 Year Fixed Investor

3.89 % p.a. Investment Property

4.47 % p.a.* Comparison rate

3 Year Fixed Investor

3.89 % p.a. Investment Property

4.42 % p.a.* Comparison rate

4 Year Fixed Investor

4.19 % p.a. Investment Property

4.48 % p.a.* Comparison rate

5 Year Fixed Investor

4.19 % p.a. Investment Property

4.45 % 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).

# 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. 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.

* The comparison rate displayed is calculated based on a loan amount of $150,000 over a 25 year term. 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.

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 6 August 2019 and are subject to change without notice.

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Speak to a Home Loan Specialist.

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.