A home loan for those who serve Queensland.

Classic Home Loan Offer

3.78 % p.a.2
3.79 % p.a.*
Discount Rate <80% LVR
Comparison Rate

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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

3.78 % p.a.2 Owner Occupier

3.79 % 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

4.35 % p.a.2 Owner Occupier

4.36 % 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.



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~

Optional: 10% 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, Max 10 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 <80% LVR

4.19 % p.a.2 Investment Property

4.25 % p.a.* Comparison rate

Special Offer

Discount Investor <95% LVR

4.54 % p.a.2 Investment Property

4.61 % 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.

# The purchase and payment of a new QBE Home, Home Contents, Landlords or a Comprehensive Motor policy entitles the member to receive a 10% 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 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 February 2018 and are subject to change without notice.

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