Mortgage Secured Overdraft

A home or investment line of credit with a competitive variable interest rate.

4.82 % p.a.
Mortgage Secured Overdraft

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A home or investment line of credit with a competitive variable interest rate.

Mortgage Secured Overdraft
Product name Owner Occupier

Mortgage Secured Overdraft

4.82 % p.a. Owner Occupier

A Mortgage Secured Overdraft provides the flexibility and freedom to choose when and how you access your loan funds. A secured overdraft means you have money 'on hand' - for renovations, home additions, holidays or investments.


Line of credit with a competitive interest rate

Access funds up to your approved limit without applying for a new loan

No monthly fees

Special: save up to $700 on establishment fees~

Optional 20% off a new home insurance policy#


Product facts
Interest Type
Minimum Loan Amount
Additional Repayments
Repayment Redraw
Monthly Fee
100% Offset Account
Interest Only Available
Establishment Fees Waived
Yes, ~
Top-up Loan Available
Split Loans Available
Loan To Valuation Ratio (LVR)
Up to 80%
Loan purpose
Owner occupied or investment
Registered first mortgage over residential property
Individual or joint
Construction Loans Available
Loan Portable
Repayment Frequency
Weekly, fortnightly or monthly.
Statement Frequency

Investor rates

Mortgage Secured Overdraft
Product name Investment Property

Investor Mortgage Secured Overdraft

4.82 % p.a. Investment Property

Disclaimer information Expand

Credit eligibility criteria, terms and conditions, fees and charges apply.  

Interest rates current as at 27 March 2020 and are subject to change without notice.

~ 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 Full terms and conditions available at Offer may be withdrawn at any time. Please read the PDS available at 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.

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.

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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.