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 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 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 | < 90% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest, Interest Only | < 90% | $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 < 90%
Loan: $150,000 $2,000,000
Investor (Principal & Interest, Interest Only)
LVR < 90%
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
For many homeowners, fixing their rate is a great way to stay on top of repayments and if this sounds like you, then you might want to know about the QBANK Fixed Rate Home Loan. With this loan, you’ll get a fixed 3 year rate of 2.39% (3.50% comparison rate*) and you’ll be able to borrow up to 95% of the property’s value, though you will need to pay Lenders Mortgage Insurance (LMI). Plus there’s no application or monthly service fees, meaning you can put every last dollar toward paying off your loan.
These days nearly everyone appreciates flexibility when it comes to their financial products, which is why the QBANK Fixed Rate Home Loan a great pick. If you’ve been struggling to come up with a 20% deposit, you may be in luck, as you’ll be able to borrow with as little as a 5% deposit! However, this does mean you’ll have to pay LMI. And aside from the 2.39% (3.50% comparison rate*), you’ll be able to make every dollar count, as there are no application or service fees.
There’s also the option to choose your repayment schedule - either on a weekly, fortnightly or monthly basis, plus you’ll be able to make free extra repayments up to $10,000. And if you ever need the cash back for a sudden expense, there is also a handy redraw facility available.
One thing you will need to keep in mind about the QBANK Fixed Rate Home Loan is that you will need to budget for the $530 discharge and $195 settlement fee. There is also no offset account with this loan.
The QBANK Fixed Rate Home Loan is a great choice for those who aren’t fussed with having extra perks like an offset account and are only after a simple loan with a competitive fixed rate.
While there are no monthly service or application fees, keep in mind that this loan does have a $530 discharge and $195 settlement fee, so you will have to work this cost into your budget.
Another thing to keep in mind is that the QBANK Fixed Rate Home Loan does not come with an offset account.
n/a
n/a
n/a
n/a
2.44% (3.74%*)
n/a
2.39% (3.50%*)
n/a
n/a
n/a
n/a
3.84% p.a.
$0.00
$0.00
$0.00
$195.00
n/a
$0.00
$530.00
$150,000
$2,000,000
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 p.a.
no
yes - free
$0.00
yes
no
$100 Split loan fee
none
none
n/a
n/a
n/a
n/a
2.69% (4.12%*)
n/a
2.64% (3.86%*)
n/a
n/a
n/a
n/a
4.19% p.a.
$700.00
$0.00
$0.00
$195.00
n/a
$0.00
$530.00
$150,000
$2,000,000
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 p.a.
no
yes - free
$0.00
yes
no
$100 Split loan fee
none
none
n/a
n/a
n/a
n/a
2.64% (3.76%*)
2.64% (3.65%*)
2.64% (3.56%*)
2.94% (3.57%*)
2.94% (3.51%*)
n/a
n/a
3.84% p.a.
$0.00
$0.00
$0.00
$195.00
n/a
$0.00
$530.00
$50,000
$2,000,000
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 p.a.
no
yes - free
$0.00
yes
no
$100 Split loan fee
none
none
n/a
n/a
n/a
n/a
2.99% (4.15%*)
2.99% (4.04%*)
2.99% (3.95%*)
3.29% (3.96%*)
3.29% (3.89%*)
n/a
n/a
4.19% p.a.
$700.00
$0.00
$0.00
$195.00
n/a
$0.00
$530.00
$50,000
$2,000,000
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 p.a.
no
yes - free
$0.00
yes
no
$100 Split loan fee
none
none
n/a
n/a
n/a
n/a
2.99% (4.15%*)
2.99% (4.04%*)
2.99% (3.95%*)
3.29% (3.96%*)
3.29% (3.89%*)
n/a
n/a
4.19% p.a.
$700.00
$0.00
$0.00
$195.00
n/a
$0.00
$530.00
$50,000
$2,000,000
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 p.a.
no
yes - free
$0.00
yes
no
$100 Split loan fee
none
none
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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