Variable Home Loans

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

An award winning1 home loan

Special Offer

Classic

Discount Rate <80% LVR

3.88 % p.a.2 Owner Occupier

3.89 % p.a.* Comparison rate

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

  • Discount rate2 for new loans with salary credit
  • 5-star rated by CANSTAR1
  • No monthly fees
Special Offer

Classic

Discount Rate <90% LVR

4.04 % p.a.2 Owner Occupier

4.05 % p.a.* Comparison rate

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

  • Discount rate2 for new loans with salary credit
  • 5-star rated by CANSTAR1
  • No monthly fees
Special Offer

Classic

Discount Rate <95% LVR

4.19 % p.a.2 Owner Occupier

4.20 % p.a.* Comparison rate

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

  • Discount rate2 for new loans with salary credit
  • 5-star rated by CANSTAR1
  • No monthly fees

Need an offset account?

Special Offer

Classic Plus

New lending $500k+

4.09 % p.a.5 Owner Occupier

4.40 % p.a.* Comparison rate

A home loan packed with features and discounts.

  • Discounted rate5 for new loans
  • 100% mortgage offset account
  • No establishment fees
Special Offer

Classic Plus

New lending $250k-$499k

4.34 % p.a.5 Owner Occupier

4.65 % p.a.* Comparison rate

A home loan packed with features and discounts.

  • Discounted rate5 for new loans
  • 100% mortgage offset account
  • No establishment fees
Special Offer

Classic Plus

New lending $100k-249k

4.49 % p.a.5 Owner Occupier

4.79 % p.a.* Comparison rate

A home loan packed with features and discounts.

  • Discounted rate5 for new loans
  • 100% mortgage offset account
  • No establishment fees

Find out more

Compare Home Loans

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

Find out more

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.

Find out more

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

Have a question?

Make an enquiry and we'll get back to you.

Email Enquiry

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 9 January 2017 and are subject to change without notice.