The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest, interest only loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | $150,000 | $2,000,000 |
|
|
Owner Occupier | Principal & Interest | < 90% | $150,000 | $2,000,000 |
|
|
Owner Occupier | Principal & Interest | < 95% | $150,000 | $2,000,000 |
|
|
Investor | Principal & Interest | < 80% | $150,000 | $2,000,000 |
|
|
Investor | Principal & Interest, Interest Only | < 90% | $150,000 | $2,000,000 |
|
|
Investor | Principal & Interest | 90%-95% | $150,000 | $2,000,000 |
|
|
Owner Occupier | Principal & Interest | < 95% | $50,000 | $2,000,000 |
|
|
Investor | Principal & Interest | < 95% | $50,000 | $2,000,000 |
|
|
Investor | Interest Only | < 90% | $50,000 | $2,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000 $2,000,000
Investor (Principal & Interest, Interest Only)
LVR < 90%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR 90%-95%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $50,000 $2,000,000
Investor (Principal & Interest)
LVR < 95%
Loan: $50,000 $2,000,000
Investor (Interest Only)
LVR < 90%
Loan: $50,000 $2,000,000
They say nothing beats the classics and if you’re living in Queensland, you might want to check out the 2022 Mozo Experts Choice Home Loan Award winning QBANK Classic Home Loan. With this loan, you’ll be able to borrow up to 80% of the property’s value with variable rates as low as 2.24% p.a. (2.27% p.a. comparison rate*). There’s no application, settlement or monthly service fee, plus you’ll have the added option to split your loan (for a $100 split loan fee).
Whether you work in the Police, Ambulance or Fire services in Queensland, the QBANK Classic Home Loan might be just what you’re looking for. Featuring variable rates from as low as 2.24% p.a. (2.27% p.a. comparison rate*), the QBANK Classic Home Loan allows borrowers to apply with a 10% deposit, however this does mean you’ll need to pay Lenders Mortgage Insurance (LMI). The QBANK Classic Home Loan also comes with investor rates, starting from as low as 2.58% p.a. (2.65% p.a. comparison rate*).
There’s no application, settlement or service fees as well as no legal or valuation fee, so you can focus on paying back your loan. But you will need to budget for the $530 discharge and $195 settlement fee. While there’s no offset account attached to this loan, you will have the option to make free extra repayments, helping you cut down on interest as well as a free redraw facility.
And with the QBANK Classic Home Loan, you’ll be able to split your loan if you choose, giving you more flexibility with your interest rate - but you will have to pay a $100 split loan fee to do so.
Finally, if you're refinancing at least $150,000, you could receive $2,000 cashback so long as you apply by 27 May 2022 and settle by 30 June 2022 (T&Cs apply).
If you’re a Queenslander who works for or has worked for QBANK’s eligible Police, Fire and Ambulance services, then the QBANK Classic Home Loan could be the right choice for you.
While the QBANK Classic Home Loan promises no application or service fees, keep in mind that you will need to factor in the $530 discharge and $195 settlement fee. This loan also does not come with an offset account or allow you to take repayment holidays.
|
2.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
2.77% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
3.14% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.17% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
3.54% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.57% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
none |
|
|
95.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
3.08% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.15% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$700.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
3.59% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.66% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$700.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
4.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.31% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$700.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$150,000 |
|
|
$2,000,000 |
|
|
90.00% |
|
|
95.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee. To be eligible for the Special Offer Discount Rates, a salary credit of at least $1,500 per month must be deposited into QBANK transaction account. |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
4.59% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.61% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
95.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
4.94% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.01% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$700.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
95.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
4.94% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.01% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$700.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$195.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$530.00 |
|
$50,000 |
|
|
$2,000,000 |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
$100 Split loan fee |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Excellent interest rates and limited fees. The staff have always been so friendly and super helpful whenever I contact them. Easy to use app for online banking. So happy that I changed my banking over to QBank.
Read full reviewExcellent interest rates and limited fees. The staff have always been so friendly and super helpful whenever I contact them. Easy to use app for online banking. So happy that I changed my banking over to QBank.
I left one of the 5 big banks as they couldn't match the service and home loan rates of QPCU. Plus the staff treat you like a real person not just a number. The bank the staff ring me and ask if I need help or advice on my banking and they are so incredible. The help I got re my insurance policies was the best.
Read full reviewI left one of the 5 big banks as they couldn't match the service and home loan rates of QPCU. Plus the staff treat you like a real person not just a number. The bank the staff ring me and ask if I need help or advice on my banking and they are so incredible. The help I got re my insurance policies was the best.
They are very helpful and have competitive rates.
Read full reviewThey are very helpful and have competitive rates.
So easy to deal with even though it's all over the phone. Great rate, always cut when RBA cuts.
Read full reviewSo easy to deal with even though it's all over the phone. Great rate, always cut when RBA cuts.
loans.com.au
Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a. variable
2.96% p.a.
Qudos Bank
No Frills Home Loan
2.49% p.a. variable
2.49% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
3.44% p.a. variable
3.83% p.a.
loans.com.au
Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a. variable
2.96% p.a.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
3.44% p.a. variable
3.83% p.a.
loans.com.au
Smart Booster Home Loan
2.74% p.a.variable for 12 months and then 3.23% p.a. variable
3.22% p.a.
loans.com.au
Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a.
2.96% p.a.
loans.com.au
Smart Booster Home Loan
2.74% p.a.variable for 12 months and then 3.23% p.a.
3.22% p.a.
loans.com.au
Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a.
2.96% p.a.
$0.00
Qudos Bank
No Frills Home Loan
2.49% p.a.
2.49% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment 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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
