Time for a new home loan this spring?

Spring clean your finances with our Classic variable home loan rate and you'll go in the draw to win a $5,000 housewarming gift.

3.84 % p.a.2
3.87 % p.a.*
Discount Rate <80% LVR
Comparison Rate

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Win a $5,000 housewarming gift

Take out a QBANK home loan before 14 October 2018 and you'll automatically go in the draw to win a $5,000 housewarming gift8. New furniture or holiday? You decide.

Plus, we'll spring clean your budget with up to 20% off your first year of home insurance#

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

Product name Owner Occupier Comparison rate
Special Offer

Discount Rate <80% LVR

3.84 % p.a.2 Owner Occupier

3.87 % p.a.* Comparison rate

Special Offer

Discount Rate <90% LVR

4.16 % p.a.2 Owner Occupier

4.18 % p.a.* Comparison rate

Special Offer

Discount Rate <95% LVR

4.41 % p.a.2 Owner Occupier

4.43 % p.a.* Comparison rate

Classic Rate

4.55 % p.a. Owner Occupier

4.57 % 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.



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 $700 on upfront fees~

Optional 20% off a new home insurance policy#


Product facts
Interest Type
Minimum Loan Amount
Maximum Loan Term
30 years
Additional Repayments
Repayment Redraw
Monthly Fee
100% Offset Account
Interest Only Available
Yes, up to 90% LVR investor only (max 5 years)
Establishment Fees Waived
Yes, ~
Top-up Loan Available
Split Loans Available
Loan To Valuation Ratio (LVR)
<95% Owner Occupied, <90% Investor
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

Product name Investment Property Comparison rate
Special Offer

Discount Investor <80% LVR

4.35 % p.a.2 Investment Property

4.42 % p.a.* Comparison rate

Special Offer

Discount Investor <95% LVR

4.70 % p.a.2 Investment Property

4.77 % p.a.* Comparison rate

Classic Investor Rate

4.90 % p.a. Investment Property

4.97 % p.a.* Comparison rate

Disclaimer information Expand

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

2 Valid for Classic home loan applications for more than $150,000 of new lending approved after 1 June 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.

8 The promotion is called 'Win a $5,000 housewarming gift'. The promotion is available to (i) those who take out a home loan with QBANK, or refinance their existing home loan, of $150,000 or greater during the Promotion Period ii) who are not directors, management or employees, or their immediate family members, of the Promoter or its related companies or agencies associated with the Competition. If the home loan is being refinanced The Promotion only applies if the member is switching a home loan to QBANK from another financial institution. The Promotion Period commences 9.00am on 6 August 2018 and closes at 5.00pm on 14 October 2018. Home loan applications must be received on or before 5.00pm, 14 October 2018. The Promotion applies to applications submitted between 6 August – 14 October, and settled from 6 August, through to 60 days after the close of The Promotion, 6 December 2018. The first valid entry drawn on 16 October will receive $5,000 deposited into their QBANK Everyday Plus bank account on settlement of their home loan. The winner will be notified by phone or email. Prizes are not transferable or exchangeable.

Terms and Conditions - Win a $5,000 housewarming gift. Terms and Conditions - Up to 20% off home & motor insurance. Normal lending criteria applies. Interest rates current as at 6 August 2018 and are subject to change without notice.

We're not just another bank

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.

Ready when you are

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13 77 28

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