Call our dedicated home loan specialists on 1300 747 747 Mon-Fri 9am-5pm AEST or arrange an appointment at your nearest branch.
Our lending team will help determine what home loan options are most suitable for you based on your current financial situation, requirements and objectives.
Apply for a home loan online, over the phone or on paper. You'll need to include the required information and documents to help us verify your financial situation.
We'll review your application and do a preliminary review of your requirements. If everything's ok we'll pass this onto a Credit Assessor for a full assessment and approval.
A Conditional Approval will be issued while we organise the property to be valued, and we'll let you know if anything else is outstanding.
Once we have everything we need your application can proceed and we'll issue you with a formal approval. At this time, our solicitors will issue the mortgage pack which includes the formal loan offer.
Once you receive the mortgage pack, carefully read the loan agreements and terms and conditions before signing the documents. Then return them as per the solicitor’s instructions to arrange settlement.
We'll need a copy of your Comprehensive Home Insurance before settlement. You can select your own insurer or we can organise this through our partner Allianz.
When purchasing a property, your solicitor or conveyancer will tell our solicitors who to pay. After settlement, the property will be transferred to your name and we will register the mortgage.
If you're refinancing, the proceeds will be paid to your outgoing financial institution, after which the loan will be paid out and closed. We'll then discharge the other bank's mortgage and register our mortgage.
Congratulations, you've completed the home loan process! For any questions on your new home loan, call our home loan specialists on 1300 747 747.
You can manage your loan through online banking or the Qudos Bank app. To set up offset accounts or make changes to your loan please send a Secure Mail or call 1300 747 747.
Please note this is a guide only. The advice in this document has been prepared without taking your individual objectives, financial situation or needs into account. Applications for finance are subject to approval. Full terms and conditions will be included in Qudos Bank’s loan offer. Fees and charges may apply. Mortgage insurance is required for home loans over 80% and is subject to approval. There are some additional requirements for a construction home loan.