At a glance
- Variable (owner occ. P&I)
- 6.04% · 6.06% comparison
- Variable (investor P&I)
- 6.29%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 11
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment | — | ≤60% LVR | 6.29% | 6.36% | — |
| Variable | Investment | — | 60–70% LVR | 6.34% | 6.41% | — |
| Variable | Investment | — | 70–80% LVR | 6.39% | 6.46% | — |
| Variable | Investment | — | 80–90% LVR | 6.64% | 6.71% | — |
| Variable | Investment | — | 90–95% LVR | 6.94% | 7.01% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.04% | 6.06% | — |
| Variable | Owner occupied · P&I | — | ≤95% LVR | 6.39% | 6.41% | — |
| Variable | Owner occupied · P&I | — | 60–70% LVR | 6.09% | 6.11% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.14% | 6.16% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 6.39% | 6.41% | — |
| Variable | Owner occupied · P&I | — | 90–95% LVR | 6.69% | 6.71% | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ADDITIONAL_SECURITY_FEE | Event | $185 | — | Applies to each additional security within a loan facility. |
| PAPER_REDRAW_FEE | Event | $25 | — | Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking |
| SPLIT_LOAN_FEE | Event | $25 | — | Applies per additional loan split and waived on the classic plus package |
| TOP_UP_FEE | Event | $200 | — | 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 |
| CONSTRUCTION_SETTLEMENT_FEE | Upfront | $295 | — | Applies once only per construction loan facility |
| HOME_LOAN_ESTABLISHMENT_FEE | Upfront | $700 | — | waived on the classic plus package |
| STANDARD_SETTLEMENT_FEE | Upfront | $195 | — | Applies once only per standard loan facility and waived on the classic plus package. |
§ 03 — Features
RedrawExtra repayments
- · We've got your valuation and mortgage legal fees covered up to the value of $700
- · Split Loan
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent Australian residents or Australian citizens
- · Available to individuals
- · Amount $50,000 to no maximum
§ 06 — Run the numbers
Put this product through a calculator
Published by QBANK under the Consumer Data Right, last changed by them on 26 May 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.