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How we picked theseHere are the key features and details you need to know about Qudos Bank's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It's possible to get a home loan with a deposit as low as 5%. |
| Offset account | You can get an offset account with several of its loans. |
| Repayment options | Many 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. |
📄 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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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.
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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.
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.
Thanks,
Belinda
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?
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,
Marc.