Qudos Bank
Construction Home Loan
Renovating or building your dream home? Our construction loan could be right for you.
Home loansBank updated 10 July 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $199
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | ≤80% LVR | 6.84% | 6.57% | — |
| Variable | Investment · Interest only | — | 80–90% LVR | 7.04% | 6.59% | — |
| Variable | Owner occupied · Interest only | — | ≤80% LVR | 6.54% | 6.40% | — |
| Variable | Owner occupied · Interest only | — | 80–90% LVR | 6.74% | 6.42% | — |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Redraw Fee | Event | No fee | — | Redraw is not available during the construction period. |
| Account Keeping Fee | Periodic | No fee | Every 1 yr | — |
| Annual Fee | Periodic | $199 | Every 1 yr | — |
| Establishment Fee | Upfront | No fee | — | — |
§ 03 — Features
- · Only pay interest on the funds drawn down
- · Funds withdrawn in stages, as you receive progress payment requests
- · repayments for construction period (principal & interest repayments thereafter)
§ 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 10%
§ 06 — Run the numbers
Put this product through a calculator
Published by Qudos Bank under the Consumer Data Right, last changed by them on 10 July 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.