^{^} 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 Offer may be withdrawn at any time.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, 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 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 Offer may be withdrawn at any time.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.

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.

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 Offer may be withdrawn at any time.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 3 October 2018 and are subject to change without notice.