Competitive interest rate with no ongoing fees and flexible repayments.

Standard Variable Rate Home Loan

4.34 % p.a.
4.36 % p.a.*
Standard Variable Rate
Comparison Rate

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Competitive interest rate with no ongoing fees and flexible repayments.

Standard Variable
Product name Owner Occupier Comparison Rate

Standard Variable Rate

4.34 % p.a. Owner Occupier

4.36 % p.a.* Comparison rate

A home or investment loan offering borrowers the freedom of a competitive interest rate with no ongoing fees and flexible repayments, which can help pay the loan off sooner. This loan has lots of features like a redraw facility so you can access extra repayments for peace of mind, and an option to pause repayments in the event of unforeseen circumstances.


No monthly fees

Free online redraw for P&I loans

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.
Loan Access
Branch, internet, mobile, telephone and BPAY.
Statement Frequency

Investor rates

Standard Variable
Product name Investment Property Comparison Rate

Standard Variable Investor

4.69 % p.a. Investment Property

4.76 % p.a.* Comparison rate

Disclaimer information Expand

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

Interest rates current as at 9 February 2021 and are subject to change without notice.

~ Applies to owner-occupied loans only. Members will save up to $700 off standard QBANK, valuation, and mortgagee legal fees. 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 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 Offer may be withdrawn at any time.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.

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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.