Qudos BankConstruction Home Loan
Renovating or building your dream home? Our construction loan could be right for you.
Home loansBank updated 15 Oct 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $0
Rates
Every rate Qudos Bank publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤80% LVR | 7.09% | 6.82% | - |
| Variable | Investment, Interest only | - | 80–90% LVR | 7.29% | 6.84% | - |
| Variable | Owner occupied, Interest only | - | ≤80% LVR | 6.79% | 6.65% | - |
| Variable | Owner occupied, Interest only | - | 80–90% LVR | 6.99% | 6.67% | - |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Variable, Investment, Interest only, ≤80% LVR | 6.84% | 7.09% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, Interest only, 80–90% LVR | 7.04% | 7.29% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, Interest only, ≤80% LVR | 6.54% | 6.79% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, Interest only, 80–90% LVR | 6.74% | 6.99% | up 0.25 |
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.
- When you take it outNo feeEstablishment Fee
- While you hold itUp to $1992 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- Establishment FeeNo fee
While you hold it2
- Account Keeping FeeNo fee
- Annual Fee$199 a year
When particular things happen1
- Redraw Fee
Redraw is not available during the construction period.
No fee
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- Funds withdrawn in stages, as you receive progress payment requests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)
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 10%
Compare it with others
Put this product through a calculator
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.