At a glance
- Variable (owner occ. P&I)
- 6.13% · 6.32% comparison
- Variable (investor P&I)
- 6.29%
- Max LVR
- 90%
- Annual fee
- $199
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 12
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | ≤70% LVR | 6.54% | 6.60% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.59% | 6.62% | — |
| Variable | Investment · Interest only | — | 80–90% LVR | 6.94% | 6.77% | — |
| Variable | Investment · P&I | — | ≤70% LVR | 6.29% | 6.47% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.34% | 6.52% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 6.69% | 6.87% | — |
| Variable | Owner occupied · Interest only | — | ≤70% LVR | 6.38% | 6.44% | — |
| Variable | Owner occupied · Interest only | — | 70–80% LVR | 6.43% | 6.46% | — |
| Variable | Owner occupied · Interest only | — | 80–90% LVR | 6.64% | 6.55% | — |
| Variable | Owner occupied · P&I | — | ≤70% LVR | 6.13% | 6.32% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.18% | 6.36% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 6.39% | 6.57% | — |
§ 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
Offset accountRedrawExtra repayments
- · Repayment holidays - when your repayments are in advance
- · Visa Platinum Credit Card Annual fee waiver ($199)
- · Personal Loan & Overdraft application fee waiver ($150 each)
- · Split loans available
§ 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 20 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.