Apply if you

✓ are at least 18 years of age,

✓ are a citizen or permanent resident of Australia,

✓ are currently in paid employment,

✓ have not been bankrupt.


What's next? 

As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.

Why us?

We're an award-winning customer-owned bank, putting people and community before profit.

"Excellent Customer Service"

Just had my home loans refinanced with Qudos Bank. Absolutely above par customer service and product offerings. Have been dealing with Antoinette at the Melbourne branch. She has been outstanding with her customer service. Am glad that I moved my home loans to Qudos Bank.

Shabby, VIC


Read our most frequently asked questions below or view all our Home Loan FAQs.

We will accept your application by telephone, online or in person at one of our branches. Our Home Loan Application Checklist and Guide can help you through every step of the process. For more information view our Home Loan Application Process Page.

Once you've submitted your application and supporting information, conditional approval is usually obtained within 48 hours, subject to satisfactory credit checks and verification of financial and property information. Your Home Loan Specialist can provide more information about approving your loan.

Yes, we offer the option for you to divide your home loan into multiple accounts across different variable rate products so you can access the different loan features in the way that suits you.

Documents and forms

1 Year Owner Occupied Fixed Rate

2.29 % p.a.  Interest rate

2.47 % p.a.  Comparison rate

T&Cs, fees, charges and lending criteria apply. Apps from 25 February 2022​​ for loan amounts over $150,000, owner-occupied, principal and interest, deposits 20% or more.

How to apply?

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Helpful Tips and Guides


  • 1 Rates displayed above are available for applications received from 25 February 2022​​ for loan amounts over $150,000. Minimum deposit of 10%. Fixed rate may change prior to funding. On expiration of the fixed rate period, the interest rate reverts to a variable rate currently 2.49% for Owner Occupier and 3.04% for Investment home loans. Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time.
  • 2 WARNING: The comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rates assume a loan of $150,000 for 25 years. For fixed rate loans, the comparison rate is based on the initial fixed period, reverting to 2.49% for owner-occupied loans and 3.04% for investment loans. For fixed interest only loans, the interest only period is equal to the fixed period.

Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

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

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.