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 $249,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 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 $249,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest, interest only loan between $250,000 and $499,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest, interest only loan of at least $500,000 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 | < 95% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 95% | $250,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 95% | $500,000 | |
| | Investor | Principal & Interest, Interest Only | < 90% | $150,000 | $249,999 |
| | Investor | Principal & Interest, Interest Only | < 90% | $250,000 | $499,999 |
| | Investor | Principal & Interest, Interest Only | < 90% | $500,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000 $249,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $250,000 $499,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $500,000
Investor (Principal & Interest, Interest Only)
LVR < 90%
Loan: $150,000 $249,999
Investor (Principal & Interest, Interest Only)
LVR < 90%
Loan: $250,000 $499,999
Investor (Principal & Interest, Interest Only)
LVR < 90%
Loan: $500,000
4.10% p.a.
4.50% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.10% p.a.
4.50% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.10% p.a.
4.50% p.a.
$395.00 yearly
3.70% p.a.
4.11% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
3.70% p.a.
4.11% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
3.70% p.a.
4.11% p.a.
$395.00 yearly
3.60% p.a.
4.01% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
3.60% p.a.
4.01% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
3.60% p.a.
4.01% p.a.
$395.00 yearly
4.56% p.a.
4.95% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.56% p.a.
4.95% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.56% p.a.
4.95% p.a.
$395.00 yearly
4.16% p.a.
4.56% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.16% p.a.
4.56% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.16% p.a.
4.56% p.a.
$395.00 yearly
4.06% p.a.
4.46% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.06% p.a.
4.46% p.a.
$395.00 yearly
RACQ Bank Mortgage Breaker (Choices Package)
4.06% p.a.
4.46% p.a.
$395.00 yearly
4.10% p.a.
n/a
n/a
n/a
4.50% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$150,000
$249,999
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
3.70% p.a.
n/a
n/a
n/a
4.11% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$250,000
$499,999
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
3.60% p.a.
n/a
n/a
n/a
4.01% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$500,000
none
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
4.56% p.a.
n/a
n/a
n/a
4.95% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$150,000
$249,999
none
90.00%
Investor
Principal & Interest, Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
no
none
yes
yes (for principal & interest loans only)
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
4.16% p.a.
n/a
n/a
n/a
4.56% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$250,000
$499,999
none
90.00%
Investor
Principal & Interest, Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
no
none
yes
yes (for principal & interest loans only)
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
4.06% p.a.
n/a
n/a
n/a
4.46% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$297.00
$500,000
none
none
90.00%
Investor
Principal & Interest, Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
no
none
yes
yes (for principal & interest loans only)
none
Package benefits include no annual fee on a Platinum Rewards Credit Card and additional interest on term deposits.
none
Stuffed up rewards by not processing paperwork properly with loan approval.
Read full reviewStuffed up rewards by not processing paperwork properly with loan approval.
QTMB promised to be different to the other banks and I was surprised to how different they were! 1. They miscalculated interest on both of my home loans. They were charging interest almost 1% higher than their advertised rate. 2. They didn't give provide their advertised introductory rate to new loans unless you ask them repetitively and identify that they are overcharging customers. 3. Pre-approval for loans means nothing! I got pre-approval for three loans. So after establishing two loans to refinance and buying a block of land I assumed the pre-approved construction loan would be a given. Nope! New and exciting conditions rendered construction finance impossible. 4. They cannot be trusted. At least with other banks I could trust their calculations, advertisements and pre-approvals. I did find that their customer service was reasonable but I've had to mark them down due to the trustworthiness issue I have with them as a whole.
Read full reviewQTMB promised to be different to the other banks and I was surprised to how different they were! 1. They miscalculated interest on both of my home loans. They were charging interest almost 1% higher than their advertised rate. 2. They didn't give provide their advertised introductory rate to new loans unless you ask them repetitively and identify that they are overcharging customers. 3. Pre-approval for loans means nothing! I got pre-approval for three loans. So after establishing two loans to refinance and buying a block of land I assumed the pre-approved construction loan would be a given. Nope! New and exciting conditions rendered construction finance impossible. 4. They cannot be trusted. At least with other banks I could trust their calculations, advertisements and pre-approvals. I did find that their customer service was reasonable but I've had to mark them down due to the trustworthiness issue I have with them as a whole.
The staff are friendly and easy to deal with. Everything is no hassle. Great customer service.
Read full reviewThe staff are friendly and easy to deal with. Everything is no hassle. Great customer service.
I've had home loans with other banks, but have made the final transfer to QTMB. I've been a member with them for 20 years now, and the benefits I get for being a teacher and having my home loan there are amazing! Less fees and charges, savings on my home and car insurance. Plus the Home Loan manager and her staff at Loganholme are super friendly and helpful. They made the whole process very stress free!
Read full reviewI've had home loans with other banks, but have made the final transfer to QTMB. I've been a member with them for 20 years now, and the benefits I get for being a teacher and having my home loan there are amazing! Less fees and charges, savings on my home and car insurance. Plus the Home Loan manager and her staff at Loganholme are super friendly and helpful. They made the whole process very stress free!
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