At a glance
- Fixed
- 3 yrs 6.49%
- Max LVR
- 98%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 15th lowest of 80, level with 5 others |
Rates
Every rate QBANK publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment | 3 yrs fixed | ≤95% LVR | 6.69% | 8.16% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤95% LVR | 6.49% | 7.80% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤95% LVR | 6.49% | 7.80% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤98% LVR | 6.49% | 7.80% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Fixed, Investment, 3 yrs fixed, ≤95% LVR | 6.59% | 6.69% | up 0.10 |
| 15 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤98% LVR | 6.39% | 6.49% | up 0.10 |
Each change is logged the night it appears in the rates QBANK publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
When you take it out3
- CONSTRUCTION_SETTLEMENT_FEE
Applies once only per construction loan facility
$295 - HOME_LOAN_ESTABLISHMENT_FEE
waived on the classic plus package
$700 - STANDARD_SETTLEMENT_FEE
Applies once only per standard loan facility and waived on the classic plus package.
$195
When particular things happen3
- FIXED_INTEREST_RATE_CAP_FEE
Payable if you wish to lock a fixed interest rate at the time of application for 60 days. The fee is deducted from loan proceeds at settlement.
0.15% of balance - PAPER_REDRAW_FEE
Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking
$25 - SPLIT_LOAN_FEE
Applies per additional loan split and waived on the classic plus package
$25
Features
- No monthly fees
- We've got your valuation and mortgage legal fees covered up to the value of $700
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: Permanent Australian residents or Australian citizens
- Available to individuals
- Amount from $150,000, no maximum
Compare it with others
Put this product through a calculator
Published by QBANK under the Consumer Data Right, last changed by them on 14 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.