QBANK Classic Home Loan

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, interest only 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 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 loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $2,000,000

  • Investor (Principal & Interest, Interest Only)

    LVR < 80%

    Loan: $150,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 80%-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

3.84% p.a.

3.85% p.a.

$0.00

QBANK Classic Home Loan

3.84% p.a.

3.85% p.a.

$0.00

4.16% p.a.

4.17% p.a.

$0.00

QBANK Classic Home Loan

4.16% p.a.

4.17% p.a.

$0.00

4.41% p.a.

4.43% p.a.

$0.00

QBANK Classic Home Loan

4.41% p.a.

4.43% p.a.

$0.00

4.35% p.a.

4.41% p.a.

$0.00

QBANK Classic Home Loan

4.35% p.a.

4.41% p.a.

$0.00

4.70% p.a.

4.76% p.a.

$0.00

QBANK Classic Home Loan

4.70% p.a.

4.76% p.a.

$0.00

4.55% p.a.

4.57% p.a.

$0.00

QBANK Classic Home Loan

4.55% p.a.

4.57% p.a.

$0.00

4.90% p.a.

4.96% p.a.

$0.00

QBANK Classic Home Loan

4.90% p.a.

4.96% p.a.

$0.00

4.90% p.a.

4.96% p.a.

$0.00

QBANK Classic Home Loan

4.90% p.a.

4.96% p.a.

$0.00

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 3.84% p.a.

  • n/a

  • 0 Months

  • none

  • 3.85% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.16% p.a.

  • n/a

  • 0 Months

  • none

  • 4.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.41% p.a.

  • n/a

  • 0 Months

  • none

  • 4.43% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.35% p.a.

  • n/a

  • 0 Months

  • none

  • 4.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $700.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.70% p.a.

  • n/a

  • 0 Months

  • none

  • 4.76% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $700.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • 80.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.55% p.a.

  • n/a

  • 0 Months

  • none

  • 4.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $50,000

  • $2,000,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.90% p.a.

  • n/a

  • 0 Months

  • none

  • 4.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $700.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $50,000

  • $2,000,000

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Details

Rates and fees information correct as at 18 October 2018.

Rates
  • 4.90% p.a.

  • n/a

  • 0 Months

  • none

  • 4.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $700.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $50,000

  • $2,000,000

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • $1,000 cashback for home loan refinances of $150,000 or more for both owner occupiers and investors before 3 December 2018.

*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.

Customer Reviews

How are QBANK home loans rated by the Mozo community?

Overall customer rating
8.9/10
Price
9.0/10
Features
8.5/10
Customer service
8.7/10
Convenience
8.0/10
Trust
8.9/10

Latest reviews of QBANK Classic Home Loan

  • Overall
    10/10
    Competitive premiums, greatest customer service'

    I left one of the 5 big banks as they couldn't match the service and home loan rates of QPCU....

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Lorell | Queensland

    reviewed about 3 years ago

  • Overall
    10/10
    Top bank

    They are very helpful and have competitive rates.

    They are very helpful and have competitive rates.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Sean | Queensland

    reviewed almost 5 years ago

  • Overall
    9/10
    Great rates, great customer service

    So easy to deal with even though it's all over the phone. Great rate, always cut when RBA cuts.

    So easy to deal with even though it's all over the phone. Great rate, always cut when RBA cuts.

    Price
    10/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Name not supplied | Queensland

    reviewed about 5 years ago

QBANK

About QBANK

QBANK (formerly QPCU) provides specialised products for the Queensland police force, fire and rescue service personel, ambulance officers, SES personel, public sector employees and their families. QBANK focuses on providing financial solutions through a diverse range of financial products in home loans, personal loans, car loans, credit cards and a variety of savings accounts for its members.

See QBANK home loans

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3.64% p.a. variable

3.66% p.a.

$520

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3.69% p.a. variable

3.73% p.a.

$600

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3.59% p.a. variable

3.59% p.a.

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3.67% p.a. variable

3.69% p.a.

$150

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3.64% p.a. variable

3.66% p.a.

$150

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Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

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Variable Home Loan (Premium Plus Package)

3.72% p.a. variable

4.12% p.a.

$0

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Low Rate Home Loan with Offset

3.68% p.a. variable

3.69% p.a.

$0

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Essentials Variable

3.64% p.a.

3.66% p.a.

$520

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Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$600

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UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

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HSBC

HSBC

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3.64% p.a.

3.66% p.a.

$150

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Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

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3.64% p.a.

3.78% p.a.

$150

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Suncorp

Suncorp

Back to Basics

3.79% p.a.

3.80% p.a.

$0

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

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Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

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Queensland Country Credit Union

Queensland Country Credit Union

Ultimate Fixed Home Loan (Package)

n/a

n/a

$0

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UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.90% p.a.

$0

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

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Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

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bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

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UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

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NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$0.00

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UBank

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UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0.00

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Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$0.00

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HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$0.00

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Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

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State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% 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.