Classic Plus Home Loan Package

A home loan packed with features and discounts.

3.16 % p.a.5
3.49 % p.a.*
Discount Rate <90% LVR
Comparison Rate

A home loan packed with features and discounts.

Classic Plus
Product name Owner Occupier Comparison Rate
Special Offer

Discount Rate <90% LVR

3.16 % p.a.5 Owner Occupier

3.49 % p.a.* Comparison rate

Special Offer

Discount Rate <95%LVR

3.51 % p.a.5 Owner Occupier

3.83 % p.a.* Comparison rate

Classic Plus Rate

4.14 % p.a.5 Owner Occupier

4.45 % p.a.* Comparison rate

The Classic Plus Home Loan package offers great savings including a discounted variable Home Loan rate, a 100% mortgage offset account, no loan establishment fees, free online redraw and unlimited additional repayments at no extra cost. The Classic Plus Home Loan package also provides you discounts on other products.


Discounted rate5 for new loans

100% mortgage offset account

No loan establishment or settlement fees

Free online redraw for P&I loans

No penalty for extra repayments

Fee waived for future loan top ups

Fee free Everyday Plus Transaction Account

Discounted insurance premiums#

To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into your QBANK transaction account. 


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
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.
Loan Access
Branch, internet, mobile, telephone and BPAY.
Statement Frequency
To be eligible members must have their salary credited into a QBANK transaction account.

Investor rates

Classic Plus
Product name Investment Property Comparison Rate
Special Offer

Discount Investor <90% LVR

3.51 % p.a.^ Investment Property

3.83 % p.a.* Comparison rate

Special Offer

Discount Investor <95% LVR

4.11 % p.a.^ Investment Property

4.42 % p.a.* Comparison rate

Classic Plus Investor Rate

4.49 % p.a. Investment Property

4.79 % p.a.* Comparison rate

Disclaimer information Expand

Credit eligibility criteria, terms and conditions, fees and charges apply.  

Interest rates current as at 1 December 2020 and are subject to change without notice.

# The purchase and payment of a new QBE Home, Home Contents, Landlords or a Comprehensive Motor policy entitles the member to save 20% off the first year of your premium (capped at $200). Discount applies on first year premium only. Not available on renewals. Offer may be withdrawn at any time. Please read the PDS available at to decide if a product is right for you. Insurance issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 AFSL 239545.

* WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate displayed is calculated based on a loan amount of $150,000 over a 25 year term.

5 Valid for Classic Plus home loan applications for more than $150,000 of new lending 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.

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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.