Whether you’re buying your first home, refinancing, investing, or building, we’ll help you choose the right home loan for you. 

  No Frills Low Cost Low Cost
(Value Package)
Qantas Points Fixed Rate Variable Rate Construction Loan
Product Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Loan Type Variable Variable Variable Variable Fixed Variable Variable
Loan Term Up to 30 years Up to 30 years Up to 30 years Up to 30 years 1 – 5 years Up to 30 years Up to 30 years6
Interest Only Option1 For construction period6
Fixed Rate Available 1 – 5 years
Minimum Amount $150k $150k $150k $150k $150k No minimum $150k
Minimum Deposit2 20% 10% 10% 10% 10% 5% 10%
Free Multiple Offset Available
Unlimited extra repayments at no cost Up to $10,000 per year
Redraw Available 7
Redraw Fee $0 $0 $0 $0 N/A $0 N/A
Annual Fee $0 $0 $0 $0 $0 $0 $0
Annual Package Fee $0 $0 $395 $0 $0 $0 $0
Account Keeping Fee $0 $0 $0 $0 $0 $0 $0
Establishment Fee (established homes) $0 $0 $0 $0 $0 $600 $600
Split Loans3 With fixed rate home loans only
Qantas Points4
Annual fee waiver ($249) on Visa Platinum Credit Card5

View all our home loan interest rates 

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Helpful Tips and Guides

Customer-First Banking


1 Only monthly repayment options available for interest only loans. Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

2 Mortgage insurance is required for home loans over 80% and is subject to approval.

3 Product deposit requirements vary, split options must meet the highest minimum deposit amount.

4 Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued by Qudos Bank, available at qudosbank.com.au. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities. Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking products and is a credit provider and credit licensee under National Consumer Credit laws.

5 Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.

6 Construction period is up to the date the final progress payment is made or 12 months from the date we first advance money to you, whichever is earliest.

7 Redraw is not available during the construction period.

You should read and consider the relevant Terms and Conditions and our Financial Services Guide available on our website qudosbank.com.au, before deciding whether to obtain any of our financial products or services.