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.

Product name Owner Occupier Comparison Rate
Special Offer

Discount Rate <90% LVR

3.84 % p.a.2 Owner Occupier

3.87 % p.a.* Comparison rate

Special Offer

Discount Rate <95% LVR

4.25 % p.a.2 Owner Occupier

4.27 % 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

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)
Up to 95%
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 <90% 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, or Landlords policy during the Promotion Period 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.

2 Valid for Classic home loan applications for more than $150,000 of new lending approved after 24 October 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.

Normal lending criteria applies. Interest rates current as at 24 October 2018 and are subject to change without notice.

Ready when you are

Apply online

Apply for a home loan online any time.

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

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.