Competitive interest rate with no ongoing fees and flexible repayments.

Standard Variable Rate Home Loan

5.05 % p.a.
5.07 % p.a.*
Standard Variable Rate
Comparison Rate

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$1,000 cash back offer

Get $1,000 cash back when you refinance your home loan with QBANK1. Plus, you’ll receive up to 20% off any new home insurance policy#.

Competitive interest rate with no ongoing fees and flexible repayments.

Standard Variable
Product name Owner Occupier Comparison Rate

Standard Variable Rate

5.05 % p.a. Owner Occupier

5.07 % 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

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

Investor rates

Standard Variable
Product name Investment Property Comparison Rate

Standard Variable Investor

5.40 % p.a. Investment Property

5.47 % 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.

1 The $1,000 cashback offer applies to home loan refinance applications between 3 October and 21 December 2018 of $150,000 or more of new lending for both owner occupiers and investors. Applications must be settled within 60 days of the approval date to receive the cashback. Offer may be withdrawn at any time. The offer only applies if the member is refinancing a home loan to QBANK from another financial institution.

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

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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.