Fixed Rate Home Loan

Choose the stability of a fixed interest rate.

3.95 % p.a.
4.29 % p.a.*
3 Year Fixed
Comparison Rate

Choose the stability of a fixed interest rate.

Fixed rate Home Loans
Product name Owner Occupier Comparison rate

1 Year Fixed

4.19 % p.a. Owner Occupier

4.38 % p.a.* Comparison rate

2 Year Fixed

4.19 % p.a. Owner Occupier

4.37 % p.a.* Comparison rate

Special Offer

3 Year Fixed

3.95 % p.a. Owner Occupier

4.29 % p.a.* Comparison rate

4 Year Fixed

4.59 % p.a. Owner Occupier

4.47 % p.a.* Comparison rate

5 Year Fixed

4.59 % p.a. Owner Occupier

4.49 % 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.

Features

No monthly fees

No penalty for extra repayments3

Free online redraw4

Five Star rated by Canstar

Special: save up to $900 on establishment fees~

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
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
Yes
Loan Portable
Yes
Repayment Frequency
Weekly, fortnightly or monthly
Statement Frequency
Quarterly

Investor rates

Fixed rate Home Loans
Product name Investment Property Comparison rate

1 Year Fixed Investor

4.44 % p.a. Investment Property

4.95 % p.a.* Comparison rate

2 Year Fixed Investor

4.49 % p.a. Investment Property

4.92 % p.a.* Comparison rate

3 Year Fixed Investor

4.54 % p.a. Investment Property

4.89 % p.a.* Comparison rate

4 Year Fixed Investor

4.74 % p.a. Investment Property

4.93 % p.a.* Comparison rate

5 Year Fixed Investor

4.74 % p.a. Investment Property

4.92 % p.a.* Comparison rate

Disclaimer information Expand

~ Applies to owner-occupied loans only. Customers will save up to $900 off standard QBANK, valuation, and mortgagee legal fees. Non-standard valuations and mortgages may incur an additional charge. Government charges still apply.

* 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.

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 Award winning refers to QBANK's 3 Year fixed rate home loan and Classic Home Loan from Canstar.

7 If further funds are required during the fixed rate term, an additional loan can be established as a split loan.

Terms and conditions are available on request. Normal transaction and account fees and charges still apply. Normal lending criteria applies. Interest rates current as at 1 February 2017 and are subject to change without notice.

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