At a glance
- Variable (owner occ. P&I)
- 6.24%6.26% comparison
- Variable (investor P&I)
- 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 |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.34% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 39th lowest of 104, level with 10 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.59% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 49th lowest of 104, level with 7 others |
Rates
Every rate QBANK publishes for this home loan, 13 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.24%
- 60–70%6.29%
- 70–80%6.34%
- 80–90%6.59%
- ≤95%6.34%
- 90–95%6.94%
- ≤98%6.34%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment | - | ≤60% LVR | 6.49% | 6.56% | - |
| Variable | Investment | - | 60–70% LVR | 6.54% | 6.61% | - |
| Variable | Investment | - | 70–80% LVR | 6.59% | 6.66% | - |
| Variable | Investment | - | 80–90% LVR | 6.84% | 6.91% | - |
| Variable | Investment | - | 90–95% LVR | 7.19% | 7.26% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR | 6.24% | 6.26% | - |
| Variable | Owner occupied, P&I | - | ≤95% LVR | 6.34% | 6.36% | - |
| Variable | Owner occupied, P&I | - | ≤95% LVR | 6.59% | 6.61% | - |
| Variable | Owner occupied, P&I | - | ≤98% LVR | 6.34% | 6.36% | - |
| Variable | Owner occupied, P&I | - | 60–70% LVR | 6.29% | 6.31% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR | 6.34% | 6.36% | - |
| Variable | Owner occupied, P&I | - | 80–90% LVR | 6.59% | 6.61% | - |
| Variable | Owner occupied, P&I | - | 90–95% LVR | 6.94% | 6.96% | - |
Rate changes
21 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Investment, ≤60% LVR | 6.24% | 6.49% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, 60–70% LVR | 6.29% | 6.54% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, 70–80% LVR | 6.34% | 6.59% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, 80–90% LVR | 6.59% | 6.84% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, 90–95% LVR | 6.89% | 7.19% | up 0.30 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 5.99% | 6.24% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, ≤98% LVR | 6.09% | 6.34% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 60–70% LVR | 6.04% | 6.29% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 6.09% | 6.34% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 80–90% LVR | 6.34% | 6.59% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I, 90–95% LVR | 6.64% | 6.94% | up 0.30 |
| 28 Sept 2026 | Variable, Investment, ≤60% LVR | 6.29% | 6.24% | down 0.05 |
| 28 Sept 2026 | Variable, Investment, 60–70% LVR | 6.34% | 6.29% | down 0.05 |
| 28 Sept 2026 | Variable, Investment, 70–80% LVR | 6.39% | 6.34% | down 0.05 |
| 28 Sept 2026 | Variable, Investment, 80–90% LVR | 6.64% | 6.59% | down 0.05 |
| 28 Sept 2026 | Variable, Investment, 90–95% LVR | 6.94% | 6.89% | down 0.05 |
| 28 Sept 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 6.04% | 5.99% | down 0.05 |
| 28 Sept 2026 | Variable, Owner occupied, P&I, 60–70% LVR | 6.09% | 6.04% | down 0.05 |
| 28 Sept 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 6.14% | 6.09% | down 0.05 |
| 28 Sept 2026 | Variable, Owner occupied, P&I, 80–90% LVR | 6.39% | 6.34% | down 0.05 |
| 28 Sept 2026 | Variable, Owner occupied, P&I, 90–95% LVR | 6.69% | 6.64% | down 0.05 |
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
7 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 happen4
- ADDITIONAL_SECURITY_FEE
Applies to each additional security within a loan facility.
$185 - 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 - TOP_UP_FEE
Applies when further lending is requested and applied to a current QBANK loan limit. Payable at the time the top-up is funded.Waived on the classic plus package
$200
Features
- 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 $50,000, 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.