Qudos Bank
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 18 Sept 2026
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
§ 01 — Rates · 40
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤80% LVR | 7.04% | 6.41% | — |
| Fixed | Investment · Interest only | 1 yr fixed | 80–90% LVR | 7.34% | 6.44% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤80% LVR | 7.09% | 6.49% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | 80–90% LVR | 7.39% | 6.55% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤80% LVR | 7.19% | 6.58% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | 80–90% LVR | 7.49% | 6.67% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤80% LVR | 7.29% | 6.68% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | 80–90% LVR | 7.59% | 6.79% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤80% LVR | 7.29% | 6.75% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | 80–90% LVR | 7.59% | 6.88% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 1 yr fixed | 80–90% LVR | 7.09% | 6.42% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.84% | 6.44% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 80–90% LVR | 7.14% | 6.50% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.94% | 6.51% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 80–90% LVR | 7.24% | 6.60% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤80% LVR | 7.04% | 6.60% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 80–90% LVR | 7.34% | 6.71% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤80% LVR | 7.04% | 6.65% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 80–90% LVR | 7.34% | 6.79% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 6.99% | 6.23% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 80–90% LVR | 7.29% | 6.26% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 7.04% | 6.32% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 80–90% LVR | 7.34% | 6.37% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 7.14% | 6.42% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 80–90% LVR | 7.44% | 6.51% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤80% LVR | 7.24% | 6.54% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 80–90% LVR | 7.54% | 6.65% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 7.24% | 6.61% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 80–90% LVR | 7.54% | 6.75% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.74% | 6.20% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 80–90% LVR | 7.04% | 6.23% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.79% | 6.27% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 80–90% LVR | 7.09% | 6.33% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.89% | 6.35% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 80–90% LVR | 7.19% | 6.44% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤80% LVR | 6.99% | 6.45% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 80–90% LVR | 7.29% | 6.56% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.99% | 6.52% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 80–90% LVR | 7.29% | 6.65% | — |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Rate Lock Fee | Other | 0.10% of balance | — | Minimum fee $50 |
| Account Keeping Fee | Periodic | No fee | Every 1 yr | — |
| Annual Fee | Periodic | No fee | Every 1 yr | — |
| Establishment Fee | Upfront | No fee | — | — |
§ 03 — 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
§ 04 — Eligibility & 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 $150,000 to no maximum
- · Maximum LVR 90%
- · Minimum deposit 5%
§ 06 — Run the numbers
Put this product through a calculator
Published by Qudos Bank under the Consumer Data Right, last changed by them on 18 Sept 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.