The Finance Algorithm
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Fixed Rate Home Loan

Our fixed interest rate home loan safeguards you from interest rate rises with fixed home loan rates for 1 to 5 year terms.

Home loansBank updated 15 Oct 2026
Apply at Qudos Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed
1 yr 6.74%, 2 yrs 6.79%, 3 yrs 6.89%, 4 yrs 6.99%, 5 yrs 6.99%
Max LVR
90%
Annual fee
$0
Features
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.

This home loan: 6.74%Every other institution's lowest, 81 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.74%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions49th lowest of 82, level with 5 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.79%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions51st lowest of 84, level with 6 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions52nd lowest of 80, level with 3 others
5-year fixed home loanOwner occupier, principal & interest, 80% LVR6.99%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions38th lowest of 63, level with 4 others

Rates

Every rate Qudos Bank publishes for this home loan, 40 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. 1 yr fixedtypical 6.59%6.74%
  2. 2 yrs fixedtypical 6.62%6.79%
  3. 3 yrs fixedtypical 6.69%6.89%
  4. 4 yrs fixed6.99%
  5. 5 yrs fixedtypical 6.89%6.99%
This home loanTypical lender's best
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed≤80% LVR7.04%6.64%-
FixedInvestment, Interest only1 yr fixed80–90% LVR7.34%6.67%-
FixedInvestment, Interest only2 yrs fixed≤80% LVR7.09%6.69%-
FixedInvestment, Interest only2 yrs fixed80–90% LVR7.39%6.75%-
FixedInvestment, Interest only3 yrs fixed≤80% LVR7.19%6.76%-
FixedInvestment, Interest only3 yrs fixed80–90% LVR7.49%6.85%-
FixedInvestment, Interest only4 yrs fixed≤80% LVR7.29%6.84%-
FixedInvestment, Interest only4 yrs fixed80–90% LVR7.59%6.96%-
FixedInvestment, Interest only5 yrs fixed≤80% LVR7.29%6.89%-
FixedInvestment, Interest only5 yrs fixed80–90% LVR7.59%7.03%-
FixedInvestment, P&I1 yr fixed≤80% LVR6.79%6.61%-
FixedInvestment, P&I1 yr fixed80–90% LVR7.09%6.64%-
FixedInvestment, P&I2 yrs fixed≤80% LVR6.84%6.64%-
FixedInvestment, P&I2 yrs fixed80–90% LVR7.14%6.70%-
FixedInvestment, P&I3 yrs fixed≤80% LVR6.94%6.69%-
FixedInvestment, P&I3 yrs fixed80–90% LVR7.24%6.78%-
FixedInvestment, P&I4 yrs fixed≤80% LVR7.04%6.76%-
FixedInvestment, P&I4 yrs fixed80–90% LVR7.34%6.87%-
FixedInvestment, P&I5 yrs fixed≤80% LVR7.04%6.79%-
FixedInvestment, P&I5 yrs fixed80–90% LVR7.34%6.93%-
FixedOwner occupied, Interest only1 yr fixed≤80% LVR6.99%6.45%-
FixedOwner occupied, Interest only1 yr fixed80–90% LVR7.29%6.48%-
FixedOwner occupied, Interest only2 yrs fixed≤80% LVR7.04%6.52%-
FixedOwner occupied, Interest only2 yrs fixed80–90% LVR7.34%6.58%-
FixedOwner occupied, Interest only3 yrs fixed≤80% LVR7.14%6.60%-
FixedOwner occupied, Interest only3 yrs fixed80–90% LVR7.44%6.69%-
FixedOwner occupied, Interest only4 yrs fixed≤80% LVR7.24%6.70%-
FixedOwner occupied, Interest only4 yrs fixed80–90% LVR7.54%6.81%-
FixedOwner occupied, Interest only5 yrs fixed≤80% LVR7.24%6.76%-
FixedOwner occupied, Interest only5 yrs fixed80–90% LVR7.54%6.89%-
FixedOwner occupied, P&I1 yr fixed≤80% LVR6.74%6.43%-
FixedOwner occupied, P&I1 yr fixed80–90% LVR7.04%6.46%-
FixedOwner occupied, P&I2 yrs fixed≤80% LVR6.79%6.47%-
FixedOwner occupied, P&I2 yrs fixed80–90% LVR7.09%6.53%-
FixedOwner occupied, P&I3 yrs fixed≤80% LVR6.89%6.53%-
FixedOwner occupied, P&I3 yrs fixed80–90% LVR7.19%6.62%-
FixedOwner occupied, P&I4 yrs fixed≤80% LVR6.99%6.61%-
FixedOwner occupied, P&I4 yrs fixed80–90% LVR7.29%6.72%-
FixedOwner occupied, P&I5 yrs fixed≤80% LVR6.99%6.66%-
FixedOwner occupied, P&I5 yrs fixed80–90% LVR7.29%6.79%-

Rate changes

40 changes logged, newest first.

DateRateWasNowChange
19 Sept 2026Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR6.64%7.04%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR6.94%7.34%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR6.69%7.09%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR6.99%7.39%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR6.79%7.19%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR7.09%7.49%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 4 yrs fixed, ≤80% LVR6.89%7.29%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 4 yrs fixed, 80–90% LVR7.19%7.59%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤80% LVR6.89%7.29%up 0.40
19 Sept 2026Fixed, Investment, Interest only, 5 yrs fixed, 80–90% LVR7.19%7.59%up 0.40
19 Sept 2026Fixed, Investment, P&I, 1 yr fixed, ≤80% LVR6.39%6.79%up 0.40
19 Sept 2026Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR6.69%7.09%up 0.40
19 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, ≤80% LVR6.44%6.84%up 0.40
19 Sept 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR6.74%7.14%up 0.40
19 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, ≤80% LVR6.54%6.94%up 0.40
19 Sept 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR6.84%7.24%up 0.40
19 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, ≤80% LVR6.64%7.04%up 0.40
19 Sept 2026Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR6.94%7.34%up 0.40
19 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, ≤80% LVR6.64%7.04%up 0.40
19 Sept 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR6.94%7.34%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR6.59%6.99%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 1 yr fixed, 80–90% LVR6.89%7.29%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR6.64%7.04%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–90% LVR6.94%7.34%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR6.74%7.14%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–90% LVR7.04%7.44%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤80% LVR6.84%7.24%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 80–90% LVR7.14%7.54%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR6.84%7.24%up 0.40
19 Sept 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–90% LVR7.14%7.54%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤80% LVR6.34%6.74%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–90% LVR6.64%7.04%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤80% LVR6.39%6.79%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–90% LVR6.69%7.09%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤80% LVR6.49%6.89%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–90% LVR6.79%7.19%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 4 yrs fixed, ≤80% LVR6.59%6.99%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 80–90% LVR6.89%7.29%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤80% LVR6.59%6.99%up 0.40
19 Sept 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–90% LVR6.89%7.29%up 0.40

Each change is logged the night it appears in the rates Qudos Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

4 fees published, grouped by when they're charged.

  1. When you take it outNo feeEstablishment Fee
  2. While you hold itVaries2 fees, each listed below
  3. When you close it or pay it offNo fee published

When you take it out1

  • Establishment Fee
    No fee

While you hold it2

  • Account Keeping Fee
    No fee
  • Annual Fee
    No fee

Other fees1

  • Rate Lock Fee

    Minimum fee $50

    0.10% of balance

Features

Extra repayments
  • Rate guarantee for a period of 90 days. Terms & conditions and fees apply
  • Split your loan with our lowest variable rate
  • Choice of 1, 2, 3, 4 or 5 year fixed terms

Eligibility and limits

  • Minimum age 18
  • Residency: Customers who are Permanent Resident or Citizens may apply for the product
  • Employment: Full time, Part Time, Casual, Self Employed
  • Available to individuals
  • Amount from $150,000, no maximum
  • Maximum LVR 90%
  • Minimum deposit 5%

Published by Qudos Bank under the Consumer Data Right, last changed by them on 15 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.