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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  Classic Home Loan

Classic Home Loan
Category: Home Loans  Last Updated December 11, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.24% PA
Comparison Rate
5.26%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.61%
Repayment Type:
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.59%, Comparison Rate 5.66%
Repayment Type:
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.86%
Repayment Type:
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.09%, Comparison Rate 6.16%
Repayment Type:
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.24%, Comparison Rate 5.26%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.29%, Comparison Rate 5.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.34%, Comparison Rate 5.36%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.56%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.84%, Comparison Rate 5.86%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.56%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Extra Repayments Additional Information: No penalty for extra repayments
  • Other Additional Information: We've got your valuation and mortgage legal fees covered up to the value of $700

Product Eligibility

  • Min Age - 18.

Bank Fees and Charges

  • Home Loan Establishment Fee (Upfront), Amount: 700.00. Additional Information: waived on the classic plus package
  • Standard Settlement Fee (Upfront), Amount: 195.00. Additional Information: Applies once only per standard loan facility and waived on the classic plus package.
  • Construction Settlement Fee (Upfront), Amount: 295.00. Additional Information: Applies once only per construction loan facility
  • Paper Redraw Fee (Event), Amount: 25.00. Additional Information: Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking
  • Top Up Fee (Event), Amount: 200.00. Additional Information: 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), Amount: 185.00. Additional Information: Applies to each additional security within a loan facility.
  • Split Loan Fee (Event), Amount: 25.00. Additional Information: Applies per additional loan split and waived on the classic plus package

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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