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 $199 $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 ($199) on Visa Platinum Credit Card5

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View all our home loan interest rates 

Home Loan Comparison FAQs

Got questions? We've got answers.

Choosing the right home loan depends on a range of factors, such as your personal circumstances, financial goals, and the type of property you want to purchase. For instance, if you plan to live in the home, you may be interested in a different type of loan than if you’re purchasing an investment property.

Similarly, if you’re buying a newly built home, you may need a different loan product than if you’re purchasing an existing property.

There are also additional features and benefits that may be important to you, such as an offset account, the ability to make extra repayments, or a lower interest rate. It's important to consider these factors and compare the home loan interest rates when choosing a home loan, as they can have a significant impact on the cost of your loan and your ability to repay it.

To determine which home loan is right for you, we recommend speaking with one of our lending specialists about the home loan process. Our team can help you understand the different loan options available and provide guidance on which loan best meets your needs. Contact us today to make an inquiry.

When it comes to drawing a home loans comparison, there are several key factors to consider to ensure you’re getting the best deal for your unique financial situation. Here are some things to keep in mind:

  • Interest rates: The interest rate you’re offered on your home loan can have a significant impact on the cost of your loan. It's important to compare interest rates between different lenders and loan products to ensure you’re getting a competitive rate.
  • Comparison rates: A comparison rate is the interest rate plus most fees and charges relating to a loan. The comparison rate helps you work out the true cost of a loan and allows you to compare loans from different lenders to find out how much it will cost you.
  • Fees and charges: Home loans can come with a range of fees and charges, such as application fees, ongoing fees, and early repayment fees. These fees can add up over time, so it's important to consider the total cost of the loan, including any fees and charges.
  • Loan features: Different home loans come with different features, such as offset accounts, redraw facilities, and the ability to make extra repayments. Consider which features are important to you and how they might impact the cost and flexibility of your loan.
  • Loan term: The length of your loan term can impact your monthly repayments and the total cost of your loan. Determine whether a longer or shorter loan term is right for your financial situation and goals.

Comparing home loan rates can be a great way to find a mortgage that fits your needs and budget. Here are some steps you can take to compare home loan rates:

  • Research online: You can start by researching online to get an idea of the current home loan rates offered by different lenders. To find out more about Qudos Bank’s home loan rates, you can use our home loan comparison calculator.
  • Consider the type of loan: Make sure you compare home loan rates for the same type of loan, such as a fixed-rate or variable-rate mortgage. The type of loan you choose can have a significant impact on the interest rate and other terms.
  • Check the fees and charges: In addition to the interest rate, you should also consider the fees and charges associated with the loan. This can include application fees, ongoing fees, and early repayment fees. Make sure you understand all the fees and charges associated with the loan before making a decision.
  • Seek professional advice: If you're unsure about how to compare home loan rates, you may want to seek advice from a professional or contact the lending specialists at Qudos Bank.

Qudos Bank offers a range of home loans to suit different financial situations and goals. Here are some of the different types of home loans that you may want to consider:

  • Fixed Rate Home Loans: With a fixed rate home loan, the interest rate remains the same for a set period of time, typically between one and five years. This can provide certainty around your repayments, making budgeting easier.
  • Variable Rate Home Loans: With a variable rate home loan, the interest rate can fluctuate over time in response to market conditions. This can be a good option if you think interest rates may fall, as your repayments will decrease. However, it's important to consider that your repayments may also increase if interest rates rise.
  • Package Home Loans: A package home loan typically bundles together a range of products and services, such as a credit card, transaction account, and insurance, into one package. Although this can provide convenience and potentially save you money on additional fees and charges, it’s important to note that package home loans generally have a package fee.
  • Line of Credit Home Loans: A line of credit home loan allows you to borrow against the equity in your property. This can be a flexible option if you have significant equity in your property, as you can access funds as you need them.
  • Construction Loans: A construction loan provides funding for the construction of a new home or the renovation of an existing property. These loans typically have a different structure than regular home loans, as the funds are released in stages as the construction progresses.
  • Investment Property Loans: An investment property loan is designed for those who want to purchase a property for investment purposes, rather than as a primary residence. These loans can have different interest rates and fees than owner-occupied home loans.

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Helpful Tips and Guides

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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 Terms and Conditions and Credit Card Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. 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 Qudos Bank 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.

Approved applicants only. Normal lending criteria, terms and conditions and fees and charges apply.

Lenders mortgage insurance is required for home loans over 80% LVR and is subject to approval.

For interest only loans, only monthly repayment option available. 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.

You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determination available here.

Canstar Outstanding Value – Home Lender – 2024 awarded for Outstanding Value across all P&I owner occupier profiles.