QBANK Fixed Rate

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

  • 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

3.75% p.a.

4.36% p.a.

$0.00

QBANK Fixed Rate

3.75% p.a.

4.36% p.a.

$0.00

4.05% p.a.

4.74% p.a.

$0.00

QBANK Fixed Rate

4.05% p.a.

4.74% p.a.

$0.00

3.89% p.a.

4.39% p.a.

$0.00

QBANK Fixed Rate

3.89% p.a.

4.39% p.a.

$0.00

4.54% p.a.

4.87% p.a.

$0.00

QBANK Fixed Rate

4.54% p.a.

4.87% p.a.

$0.00

4.54% p.a.

4.87% p.a.

$0.00

QBANK Fixed Rate

4.54% p.a.

4.87% p.a.

$0.00

Mozo Review   QBANK Fixed Rate Review

Last updated: 1 March 2019.

What's hot:
  • 3.75% fixed 3 year rate (4.36% comparison rate*)

  • No application or service fee

  • Borrow with 10% deposit

What's not:
  • No offset account

  • $200 discharge fee

Mozo snapshot:

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 3.75% (4.36% comparison rate*) and you’ll be able to borrow up to 90% 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.

Key features:

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 10% deposit! However, this does mean you’ll have to pay LMI. And aside from the 3.75% (4.36% 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 $200 discharge and $195 settlement fee. There is also no offset account with this loan.

Who it's good for:

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.

Any catches?

While there are no monthly service or application fees, keep in mind that this loan does have a $200 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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.62% (4.48%*)

  • (*)

  • 3.75% (4.36%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.55% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • 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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.99% (4.88%*)

  • (*)

  • 4.05% (4.74%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.90% p.a.

Fees
  • $700.00

  • $0.00

  • $0.00

  • $195.00

  • none

  • $0.00

  • $200.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • 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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.99% (4.51%*)

  • 3.99% (4.46%*)

  • 3.89% (4.39%*)

  • 4.59% (4.58%*)

  • 4.59% (4.58%*)

  • (*)

  • (*)

  • 4.55% p.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
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • 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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.44% (4.92%*)

  • 4.49% (4.89%*)

  • 4.54% (4.87%*)

  • 4.74% (4.91%*)

  • 4.74% (4.90%*)

  • (*)

  • (*)

  • 4.90% p.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
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • 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.

Details

Rates and fees information correct as at 19 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.44% (4.92%*)

  • 4.49% (4.89%*)

  • 4.54% (4.87%*)

  • 4.74% (4.91%*)

  • 4.74% (4.90%*)

  • (*)

  • (*)

  • 4.90% p.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
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • $100 Split loan fee

  • 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.

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
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

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.59% p.a. variable

3.59% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a. variable

3.51% p.a.

$488

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a. variable

3.83% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a. variable

3.50% p.a.

$520

Promoted

ME

ME

Basic Home Loan

3.97% p.a. variable

3.99% p.a.

$400

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a. variable

3.77% p.a.

$600

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a. variable

3.77% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% p.a.

$520

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$488

Promoted

ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$400

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.79% p.a.

3.83% p.a.

$600

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a.

3.83% p.a.

$150

Promoted

Hunter United

Hunter United

Interest Only Home Loan

3.99% p.a.

3.99% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.89% p.a.
fixed 3 years

3.93% p.a.

$520

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan - First Home Buyer Special

n/a

n/a

$0

Promoted

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.87% p.a.

$400

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.89% p.a.
fixed 3 years

4.92% p.a.

$0

Promoted

Bankwest

Bankwest

Complete Fixed Home Loan (Package)

3.98% p.a.
fixed 3 years

4.52% p.a.

$250

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

3.79% p.a.
fixed 3 years

4.51% p.a.

$450

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

*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.