Qudos Bank Home Loan Rates

Rates current as at 22 December 2022

View the rate tables below or hit the print icon to print or save as PDF.


At Qudos Bank, we offer a wide range of home loan options with different interest rates and features for both investors and those looking to move in. The right one for you will depend on your unique situation, and our team is here to help you find it. Keep reading to learn more about each one, its use and its benefits.

Compare Qudos Bank Home Loan Features, Rates and More!


Things To Consider When Comparing Home Loan Rates

When deciding on the best home loan, interest rates aren’t the only thing you need to consider. On top of choosing a home loan with an attractive rate that suits your financial situation, you should also consider these factors:

  • Upfront and ongoing costs — Depending on the home loan you choose, you may also be required to pay upfront and ongoing fees. Check these with your lender.
  • Features that’ll help you repay your home loan sooner — Home loans with features including redraw, offsets and split rate home loans may help you to repay your home loan sooner.
  • Insurance and other fees — Lenders’ Mortgage Insurance (LMI) may be payable if you have a deposit of less than 20%.

Have Questions? Get In Contact With Qudos Bank!

If you’ve had a look at our current home loans, interest rates and features, and have any questions, please don’t hesitate to get in touch with us.

Being a 100% mutual bank means everything we do is designed to benefit you; rather than simply for making a profit to benefit shareholders. Our highly experienced team of home loan experts is dedicated to making sure you receive top customer service, which could lead to finding the best possible home loan for your unique circumstances.

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Footnotes:

  • 1 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022 for loan amounts over $150,000. Minimum deposit of 20%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest No Frills Home Loan with a deposit or equity of 20% or more, currently 4.59% for owner occupied loans and 5.09% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 2 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. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.
  • 3 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, currently 4.99% for owner occupied loans and 5.29% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 4 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Low Cost Value Package Home Loan with a deposit or equity of 20% or more, currently 4.89% for owner occupied loans and 5.19% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 5 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Qantas Points Home Loan with a deposit or equity of 20% or more, currently 5.19% for owner occupied loans and 5.49% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 6 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. Minimum deposit of 5%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Standard Variable Home Loan with a deposit or equity of 20% or more, currently 5.69% for owner occupied loans and 5.99% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 7 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. After completion of construction, your interest rate will revert to the current interest rate applicable to a new principal and interest Low Cost Home Loan with a deposit or equity of 20% or more, currently 4.99% for owner occupied loans and 5.29% for investment loans.
  • 8 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. Our comparison rate assumes a loan of $150,000 for 25 years. The comparison rate is based on a 12 months interest only period, reverting to the interest rate applicable to a principal and interest Low Cost Home Loan with the relevant purpose (i.e. owner-occupied or investment) and deposit amount.
  • 9 Rates displayed above are available for applications received from 22 December 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 4.99% for Owner Occupier and 5.29% for Investment home loans. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
  • 10 WARNING: The comparison rates apply 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 rates assume a loan of $150,000 for 25 years. For fixed rate loans, the comparison rate is based on the initial fixed period, reverting to 4.99% for owner-occupied loans and 5.29% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.

Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

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.

You should also read the relevant Terms and Conditions, Product Disclosure Statement, and our Financial Services Guide available on our website before deciding to apply for any of our financial products and services.

© Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305

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