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Qudos Bank home loans

Qudos Bank has home loan rates starting from 6.04%.

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Qudos Bank is a customer owned bank that offers a range of home loans for Australian borrowers. Check out the full table of Qudos Bank products below or read more about the lender.

Compare Qudos Bank home loans for May 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest20% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $199 p.a.
Monthly Payment
Principal & Interest5% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest20% min. depositInvestmentOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $199 p.a.
Monthly Payment
Principal & Interest10% min. depositInvestmentOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $199 p.a.
Monthly Payment
Showing 5 of 10 results

Qudos Bank key facts

  • It's a customer owned bank based in New South Wales.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as credit cards, savings, insurance and personal loans.

Congratulations, Qudos!

Qudos received the following highly commended awards in the 2024 Product Awards:

  • 'Owner Occupier Home Loan - 2 Year Fixed'
  • 'Owner Occupier Home Loan - 3 Year Fixed'
Full list of 2024 winners

Qudos Bank home loan features

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

Minimum depositIt's 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 optionsMany 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 Qudos Bank?

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.


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 Qudos Bank 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).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

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4 Responses

    Default Gravatar
    SisMarch 23, 2015

    I currently have a home loan with St. George. We have recently sold a property and am looking to set up a redraw facility wih this bank. However, there are conditions I am not happy with including redraw fees and bank consent. I am interested in qantas’ redraw policy and conditions. Also considering to swap home loan to another bank if the conditions are right. Can someone please call me or email for advice.

      Default Gravatar
      belinda.punshon@hiveempire.comMarch 23, 2015

      Hi Sis,

      Thank you for your comment.

      Depending on which home loan you select, Qantas does not charge redraw fees. They have a minimum redraw amount of $1000.00.

      Kindly revisit Qantas Credit Union’s product disclosure statements or contact Qantas Credit Union directly to discuss the terms of their redraw facilities.

      We have recently written an article on home loans that require no minimum redraw amount, which you might find useful.


    Default Gravatar
    LukeMarch 31, 2014

    Do I really need a letter from my employer for a personal loan? Don’t feel comfortable asking my boss for a letter to get a loan. Surely my payslips are enough?

      MarcMarch 31, 2014Finder

      Hi Luke,
      thanks for the question.

      A personal loan from most lenders will require verification of your income, but as you mention, this is usually in the form of payslips. In some cases a lender may require extra information about your pay, and will therefore contact your employer for more information. The Qantas Credit Union website doesn’t mention that you’ll need to provide a letter from your employer for a personal loan.

      I hope this helps,

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