Whether you’re buying your first home, refinancing, investing, or building, we’ll help you choose the right home loan for you. 

  No Frills Low Cost Low Cost
(Value Package)
Qantas Points Fixed Rate Variable Rate Construction Loan
Product Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Owner Occupier
Loan Type Variable Variable Variable Variable Fixed Variable Variable
Loan Term Up to 30 years Up to 30 years Up to 30 years Up to 30 years 1 – 5 years Up to 30 years Up to 30 years7
Interest Only Option1 For construction period7
Fixed Rate Available 1 – 5 years
Minimum Amount $150k $150k $150k $150k $150k No minimum $150k
Minimum Deposit2 20% 10% 10% 10% 10% 5% 10%
Free Multiple Offset Available
Redraw Available 8
Redraw Fee $0 $0 $0 $0 N/A $0 N/A
Annual Fee $0 $0 $0 $0 $0 $0 $0
Annual Package Fee $0 $0 $395 $0 $0 $0 $0
Account Keeping Fee $0 $0 $0 $0 $0 $0 $0
Establishment Fee (established homes) $0 $0 $0 $0 $0 $600 $600
Split Loans3 With fixed rate home loans only
Insurance Discounts4 Up to 12 months Allianz insurance cover for the price of 11 months for 1st years premium4 15% off Allianz Home & Contents Insurance in your first year4 N/A
Qantas Points5
Annual fee waiver ($249) on Visa Platinum Credit Card6

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1 Only monthly repayment options available for interest only loans. Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

2 Mortgage insurance is required for home loans over 80% and is subject to approval.

3 Product deposit requirements vary, split options must meet the highest minimum deposit amount.

4 Offer valid for new Allianz Home and Contents insurance policies purchased through Qudos Bank branches or via the Qudos Bank contact centre and cannot be used in conjunction with any other offer. The discount is not available online. Offer applies to standard rates (excluding optional covers) and is for the first year’s premium only (unless stated otherwise). Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. Other discounts may apply to insurance purchased via other methods. Qudos Bank arranges this insurance as an agent for Allianz Australia Insurance Limited ABN 15 000 122 850, ASFL No. 234 708. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. Before deciding to acquire this insurance, please read the relevant Product Disclosure Statement (PDS), our Financial Services Guide and the Allianz Financial Services Guide. To see the PDS please click on the relevant insurance product PDS: www.qudosbank.com.au/Products/Insurance or to have the PDS sent out to you, call us on 1300 747 747. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging between 10–30%. See our FSG or ask us for more details. The relevant Target Market Determination is available by calling 1300 747 747.

5 Qantas Points accrue in accordance with and subject to the Qantas Points Banking Rewards Terms and Conditions issued by Qudos Bank, available at qudosbank.com.au. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities. Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking products and is a credit provider and credit licensee under National Consumer Credit laws.

6 Waived annually whilst signed up to the Value Package. Only available for one Visa Platinum Credit Card per Value Package.

7 Construction period is up to the date the final progress payment is made or 12 months from the date we first advance money to you, whichever is earliest.

8 Redraw is not available during the construction period.

You should read and consider the relevant Terms and Conditions and our Financial Services Guide available on our website qudosbank.com.au, before deciding whether to obtain any of our financial products or services.