You deserve more than a typical home loan.

Award winning Classic Home Loan.1

3.88 % p.a.2
3.89 % p.a.*
Discount Rate <80% LVR
Comparison Rate

QBANK Property Reports

Whatever stage you're at, use our Property Reports as your guide to the housing market.

Request a free report

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

Classic
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

4.10 % p.a.2 Owner Occupier

4.11 % p.a.* Comparison rate

Special Offer

Discount Rate <95% LVR

4.25 % p.a.2 Owner Occupier

4.26 % 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~

Facts

Product facts
Interest Type
Variable
Minimum Loan Amount
$50,000
Maximum Loan Term
30 years
Additional Repayments
Yes
Repayment Redraw
Yes
Monthly Fee
No
100% Offset Account
No
Interest Only Available
Yes, Max 10 years
Establishment Fees Waived
Yes, ~
Top-up Loan Available
Yes
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

Classic
Product name Investment Property Comparison rate
Special Offer

Discount Investor <80% LVR

4.29 % p.a.2 Investment Property

4.36 % p.a.* Comparison rate

Special Offer

Discount Investor <95% LVR

4.44 % p.a.2 Investment Property

4.51 % p.a.* Comparison rate

Classic Investor Rate

4.74 % p.a. Investment Property

4.81 % 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.

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.

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 5 May 2017 and are subject to change without notice.

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