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 | |
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | |
|
Owner Occupier | Interest Only | < 80% | $150,000 | |
|
Owner Occupier | Interest Only | 80%-90% | $150,000 | |
|
Investor | Principal & Interest | < 80% | $150,000 | |
|
Investor | Principal & Interest | 80%-90% | $150,000 | |
|
Investor | Interest Only | < 80% | $150,000 | |
|
Investor | Interest Only | 80%-90% | $150,000 |
Australian homeowners can enjoy low fees and the security that comes with a fixed rate with Qudos Bank’s Fixed Rate Home Loan. Owner occupiers can take advantage of a series of competitive fixed rates across 1, 2, 3, 4 and 5-year terms, starting from 5.94% p.a. (6.23% p.a. comparison rate*) on the 3-year option.
The Qudos Bank Fixed Rate Home Loan comes with a different rate tiers depending on whether you're an owner-occupier or investor, what repayment type you choose and your Loan-to-Value ratio as well as your fixed loan term. The good news at Qudos' rates are very competitive - from 5.94% p.a. (6.23% p.a. comparison rate*) for a 3-year term.
Affordable rates aside, Qudos Bank will also allow its Fixed Rate Home Loan customers to make up to $10,000 worth of additional repayments at no extra cost and provides the freedom to choose whether you pay your mortgage on a weekly, fortnightly or monthly basis. If you want to hedge your bets on a variable rate cut, you will also be able to split your home loan between these fixed rates and the ongoing variable rate with Qudos Bank.
The Fixed Rate Home Loan has a maximum LVR of 90%, which means you’ll only need a 10% deposit at the ready. You’re also free to spend large because, while the minimum loan amount is set at $150,000, there is no maximum limit as long as you can meet the repayments.
There are a couple of things to keep in mind with this home loan. There is no redraw facility means that if you make extra repayments you won’t be able to make any withdrawals and there isn’t an option of an offset account.
Owner occupiers who want to safeguard themselves against a rate rise can take advantage of the low fees and competitive fixed rates associated with the Fixed Rate Home Loan.
Just make sure you’re ready to commit those additional repayments as you won’t be able to redraw on your loan or pay them into an offset account.
If you have less than a 20% deposit, just be aware that you’ll also need to pay lenders mortgage insurance when you take out the loan. And once the fixed interest rate period over, the loan will revert to variable principal and interest rate.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.14% (6.32%*) |
|
6.04% (6.28%*) |
|
5.94% (6.23%*) |
|
6.14% (6.27%*) |
|
6.14% (6.25%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.44% (6.35%*) |
|
6.34% (6.34%*) |
|
6.24% (6.31%*) |
|
6.44% (6.38%*) |
|
6.44% (6.38%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.54% (6.36%*) |
|
6.44% (6.36%*) |
|
6.34% (6.34%*) |
|
6.54% (6.41%*) |
|
6.54% (6.43%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.84% (6.39%*) |
|
6.74% (6.42%*) |
|
6.64% (6.42%*) |
|
6.84% (6.52%*) |
|
6.84% (6.55%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.44% (6.62%*) |
|
6.34% (6.58%*) |
|
6.24% (6.53%*) |
|
6.44% (6.57%*) |
|
6.44% (6.55%*) |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.74% (6.65%*) |
|
6.64% (6.64%*) |
|
6.54% (6.61%*) |
|
6.74% (6.68%*) |
|
6.74% (6.68%*) |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.64% (6.64%*) |
|
6.54% (6.62%*) |
|
6.44% (6.58%*) |
|
6.64% (6.64%*) |
|
6.64% (6.64%*) |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.94% (6.67%*) |
|
6.84% (6.68%*) |
|
6.74% (6.67%*) |
|
6.94% (6.75%*) |
|
6.94% (6.77%*) |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$275.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Monthly, Fortnightly, Weekly |
|
yes - free up to $10,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
none |
|
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.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.