QBANK
Classic Home Loan
QBANK · residential mortgages
Provider last updated this product 2026-09-27.
Go to provider
You'll complete your application on
QBANK's website. Confirm the rate and fees with them
before applying.
Classic Home Loan
As published by the lender
- Headline rates - from 5.99% to 6.89%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.24% | 6.31% | INVESTMENT | UNCONSTRAINED | - | LVR up to 60% | calculated daily, paid monthly |
| VARIABLE | 6.29% | 6.36% | INVESTMENT | UNCONSTRAINED | - | LVR 60% - 70% | calculated daily, paid monthly |
| VARIABLE | 6.34% | 6.41% | INVESTMENT | UNCONSTRAINED | - | LVR 70% - 80% | calculated daily, paid monthly |
| VARIABLE | 6.59% | 6.66% | INVESTMENT | UNCONSTRAINED | - | LVR 80% - 90% | calculated daily, paid monthly |
| VARIABLE | 6.89% | 6.96% | INVESTMENT | UNCONSTRAINED | - | LVR 90% - 95% | calculated daily, paid monthly |
| VARIABLE | 5.99% | 6.01% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 60% | calculated daily, paid monthly |
| VARIABLE | 6.04% | 6.06% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 60% - 70% | calculated daily, paid monthly |
| VARIABLE | 6.09% | 6.11% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 70% - 80% | calculated daily, paid monthly |
| VARIABLE | 6.34% | 6.36% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 80% - 90% | calculated daily, paid monthly |
| VARIABLE | 6.64% | 6.66% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 90% - 95% | calculated daily, paid monthly |
| VARIABLE | 6.34% | 6.36% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | up to 95% | calculated daily, paid monthly |
| VARIABLE | 6.09% | 6.11% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | up to 95% | calculated daily, paid monthly |
| VARIABLE | 6.09% | 6.11% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | up to 98% | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| HOME_LOAN_ESTABLISHMENT_FEE | UPFRONT | $700 | waived on the classic plus package |
| STANDARD_SETTLEMENT_FEE | UPFRONT | $195 | Applies once only per standard loan facility and waived on the classic plus package. |
| CONSTRUCTION_SETTLEMENT_FEE | UPFRONT | $295 | Applies once only per construction loan facility |
| PAPER_REDRAW_FEE | EVENT | $25 | Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking |
| TOP_UP_FEE | EVENT | $200 | Applies when further lending is requested and applied to a current QBANK loan limit. Payable at the time the top-up is funded.Waived on the classic plus package |
| ADDITIONAL_SECURITY_FEE | EVENT | $185 | Applies to each additional security within a loan facility. |
| SPLIT_LOAN_FEE | EVENT | $25 | Applies per additional loan split and waived on the classic plus package |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-27 | 6.04% | 6.06% |
| 2026-09-28 | 2026-09-30 (current) | 5.99% | 6.01% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- We've got your valuation and mortgage legal fees covered up to the value of $700
- Split Loan
Who can apply
- min age - 18
- natural person
- residency status - Permanent Australian residents or Australian citizensResiding in Australia or overseas, where the security provided is in Australia
Limits
- min limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-27T20:37:55.000+10:00 · Product ID: ClassicHomeLoan