QBANK Fixed Rate
This product is available in different versions. Pick the right version for you here.
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 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 95%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest, Interest Only | < 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 | < 95% | $50,000 | $2,000,000 |
-
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000 $2,000,000
-
Investor (Principal & Interest, Interest Only)
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 < 95%
Loan: $50,000 $2,000,000
2.94% p.a.
3.88% p.a.
$0.00
QBANK Fixed Rate
2.94% p.a.
3.88% p.a.
$0.00
3.19% p.a.
4.24% p.a.
$0.00
QBANK Fixed Rate
3.19% p.a.
4.24% p.a.
$0.00
3.59% p.a.
4.34% p.a.
$0.00
QBANK Fixed Rate
3.59% p.a.
4.34% p.a.
$0.00
3.34% p.a.
3.98% p.a.
$0.00
QBANK Fixed Rate
3.34% p.a.
3.98% p.a.
$0.00
3.69% p.a.
4.37% p.a.
$0.00
QBANK Fixed Rate
3.69% p.a.
4.37% p.a.
$0.00
3.69% p.a.
4.37% p.a.
$0.00
QBANK Fixed Rate
3.69% p.a.
4.37% p.a.
$0.00
Mozo Review QBANK Fixed Rate Review
Last updated: 4 October 2019.
What's hot:
2.94% fixed 3 year rate (3.88% comparison rate*)
No application or service fee
Borrow with 5% deposit
2019 Mozo Experts Choice Award - Fixed Rate Home Loan
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 2019 Mozo Experts Choice Award-winning QBANK Fixed Rate Home Loan. With this loan, you’ll get a fixed 3 year rate of 2.94% (3.88% 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.
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 5% deposit! However, this does mean you’ll have to pay LMI. And aside from the 2.94% (3.88% 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.
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 $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.
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
2.94% (4.08%*)
-
n/a
-
2.94% (3.88%*)
-
n/a
-
n/a
-
n/a
-
n/a
-
4.17% p.a.
Fees
-
$0.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
Other financial bits
-
$150,000
-
$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
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
3.19% (4.46%*)
-
n/a
-
3.19% (4.24%*)
-
n/a
-
n/a
-
n/a
-
n/a
-
4.52% p.a.
Fees
-
$700.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
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
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
3.59% (4.50%*)
-
n/a
-
3.59% (4.34%*)
-
n/a
-
n/a
-
n/a
-
n/a
-
4.52% p.a.
Fees
-
$700.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
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
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
3.34% (4.12%*)
-
3.34% (4.05%*)
-
3.34% (3.98%*)
-
3.64% (4.02%*)
-
3.64% (3.98%*)
-
n/a
-
n/a
-
4.17% p.a.
Fees
-
$0.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
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
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
3.69% (4.51%*)
-
3.69% (4.44%*)
-
3.69% (4.37%*)
-
3.99% (4.41%*)
-
3.99% (4.37%*)
-
n/a
-
n/a
-
4.52% p.a.
Fees
-
$700.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
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
Details
Rates and fees information correct as at 18 October 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
-
n/a
-
n/a
-
n/a
-
n/a
-
3.69% (4.51%*)
-
3.69% (4.44%*)
-
3.69% (4.37%*)
-
3.99% (4.41%*)
-
3.99% (4.37%*)
-
n/a
-
n/a
-
4.52% p.a.
Fees
-
$700.00
-
$0.00
-
$0.00
-
$195.00
-
n/a
-
$0.00
-
$530.00
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
Customer Reviews
How are QBANK home loans rated by the Mozo community?
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
UBank
UHomeLoan - Discount Offer
2.84% p.a. variableApply now to get this rate from 29 Oct
2.84% p.a.Apply now to get this rate from 29 Oct
$0
Promoted
HSBC
Home Value Loan
3.02% p.a. variableApply now to get this rate from 21 Oct
3.04% p.a.Apply now to get this rate from 21 Oct
$150
Promoted
Suncorp
Fixed Home Loan (Home Package Plus)
2.99% p.a.
fixed 3 years
3.73% p.a.
$0
Promoted
Bank of Queensland
Fixed Rate
2.99% p.a.
fixed 3 years
3.79% p.a.
$450
Promoted
Newcastle Permanent
Real Deal Home Loan
3.32% p.a. variable
3.36% p.a.
$0
Promoted
UBank
UHomeLoan - Discount Offer
2.84% p.a.Apply now to get this rate from 29 Oct
2.84% p.a.Apply now to get this rate from 29 Oct
$0
Promoted
HSBC
Home Value Loan
3.02% p.a.Apply now to get this rate from 21 Oct
3.04% p.a.Apply now to get this rate from 21 Oct
$150
Promoted
Suncorp
Fixed Home Loan (Home Package Plus)
2.99% p.a.
fixed 3 years
3.73% p.a.
$0
Promoted
loans.com.au
Fixed Home Loan
3.19% p.a.
fixed 3 years
3.31% p.a.
$520
Promoted
IMB Bank
Fixed Home Loan
2.84% p.a.
fixed 3 years
3.47% p.a.
$799
Promoted
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.99% p.a.
fixed 3 years
4.08% p.a.
$0
Promoted
Virgin Money
Reward Me Fixed Rate Home Loan
2.99% p.a.
fixed 3 years
3.42% p.a.
$150
