Variable Home Loans

Enjoy the freedom of a competitive interest rate and flexible repayments to pay your loan off sooner.

Classic Home Loan

A low variable Home Loan rate with no monthly fees and flexible repayments.

Variable Home Loans
Product name Owner Occupier Comparison rate
Special Offer

Discount Rate <80% LVR

3.88 % p.a.2 Owner Occupier

3.89 % p.a.* Comparison rate

Special Offer

Discount Rate <90% LVR

4.04 % p.a.2 Owner Occupier

4.05 % p.a.* Comparison rate

Special Offer

Discount Rate <95% LVR

4.19 % p.a.2 Owner Occupier

4.20 % p.a.* Comparison rate

Classic Rate

4.49 % p.a. Owner Occupier

4.50 % p.a.* Comparison rate

Whether you’re looking to get into your first place or to refinance your existing loan, we’ll help make it happen with our low Home Loan rates.

Features

Discount rate2 for new loans with salary credit

5-star rated1

No monthly fees

Free online redraw

No penalty for extra repayments

Special: save up to $900 on establishment fees~

Classic Plus Package

A low variable Home Loan rate with no monthly fees and flexible repayments.

Variable Home Loans
Product name Owner Occupier Comparison rate
Special Offer

New lending $500k+

4.09 % p.a.5 Owner Occupier

4.40 % p.a.* Comparison rate

Special Offer

New lending $250k-$499k

4.34 % p.a.5 Owner Occupier

4.65 % p.a.* Comparison rate

Special Offer

New lending $100k-249k

4.49 % p.a.5 Owner Occupier

4.79 % p.a.* Comparison rate

$250k & above

4.39 % p.a. Owner Occupier

4.70 % p.a.* Comparison rate

$100k-$249k

4.54 % p.a. Owner Occupier

4.84 % p.a.* Comparison rate

The Classic Plus Home Loan package offers great savings including a discounted variable Home Loan rate, a 100% mortgage offset account, no establishment fees~, free online redraw and unlimited additional repayments at no extra cost. The Classic Plus Home Loan package also provides you discounts on other products.

Features

Discounted rate5 for new loans

100% mortgage offset account

No establishment fees

Free online redraw

No penalty for extra repayments

0.5% discount on personal loans

Credit card annual fee waived

Personal loan application fee waived

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Compare Home Loans

Compare our various Home Loans to find the one that's right for you.

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Mobile Banking Specialists

Our Mobile Banking Specialists can meet you at your home, workplace, or even at a coffee shop at a time that suits you best.

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Ready when you are

Apply online

Apply for home loan any time online.

Apply Now

Let's talk

Speak to a Home Loan Specialist.

13 77 28

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

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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.

1 The CANSTAR Award was awarded on 19/9/2016 for the Classic Home Loan for the Owner Occupied Variable Home Loan category.

2 Valid for Classic home loan applications for more than $150,000 of new lending approved after 1 November 2016 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 Everyday Plus transaction account. Offer may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK customers switching loans, internal refinances or with lending for investment purposes.

5 Valid for Classic Plus home loan applications that includes at least $100,000 of new lending approved after 1 September 2016. Offer is subject to change without notice and may be withdrawn at any time. Offer not valid for redraw of advance repayments, existing QBANK customers switching loans, or internal refinances.

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.