QBANK home loans

QBANK has home loan rates starting from 5.09%.

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Key takeaways

  • QBANK is a member owned credit union lender based in Queensland.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings accounts, transaction accounts, credit cards, car and personal loans.

Compare QBANK home loans for December 2025

5 of 36 results
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
QBank logo
Finder score
QBANK Classic Plus Package
Finder score
Interest Rate
5.59%
Comparison Rate
5.87%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityInvestmentOffset account
Monthly Payment
$862
per month
More info
Compare product selection
QBank logo
Finder score
QBANK Classic Plus Package
Finder score
Interest Rate
5.64%
Comparison Rate
5.92%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityInvestmentOffset account
Monthly Payment
$866
per month
More info
Compare product selection
QBank logo
Finder score
QBANK Classic Plus Package
Finder score
Interest Rate
5.34%
Comparison Rate
5.63%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest40% min. equityOwner-occupierOffset account
Monthly Payment
$838
per month
More info
Compare product selection
QBank logo
Finder score
QBANK Classic Plus Package
Finder score
Interest Rate
5.69%
Comparison Rate
5.97%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest20% min. equityInvestmentOffset accountNo LMI
Monthly Payment
$871
per month
More info
Compare product selection
QBank logo
Finder score
QBANK Classic Plus Package
Finder score
Interest Rate
5.39%
Comparison Rate
5.68%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest30% min. equityOwner-occupierOffset account
Monthly Payment
$843
per month
More info
Compare product selection
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Showing 5 of 36 results

QBANK home loan features

Here are the key features and details you need to know about QBANK's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsSeveral of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from QBANK?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with QBANK you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips

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2 Responses

    Default Gravatar
    ChrisApril 1, 2014

    I was a serving police officer with the QPS for 20 years prior to being medically discharged from the service in May 2008.
    I was wondering whether as a past QPS officer I could be eligible to have my NAB home loan refinanced with the QLD Police Credit Union.

    I am not currently a member of the QLD Police Credit Union.

    Can you advise me whether I could be eligible for refinancing.

    I am currently employed with the Queensland Treasury and Trade.

    I am only enquiring at this stage.

      Marc Terrano's headshotFinder
      MarcApril 1, 2014Finder

      Hi Chris,
      thanks for the question.

      You can join the QPCU if you are, or have formerly been an employee of the Queensland Police Service. Once you’re a member you can apply for a loan with QPCU provided you fulfil the eligibility requirements they have, much like a regular bank or credit union.

      I hope this helps,
      Marc.

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