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QBank · Home loans
Classic Home Loan
QBank's Classic Home Loan is a home loan. The figures are the ones QBank publishes under the Consumer Data Right today. The advertised rate last moved on 15 October 2026, up from 5.99% to 6.24%.
Advertised rate
6.24%
headline tier
Comparison rate
6.26%
as published
Last moved
+0.25pp
15 October 2026
Advertised rate, last 30 days. Between 5.99% and 6.24% over the last 30 days.
Every current rate (13)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR <60% | 6.24% | 6.26% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR <70% | 6.29% | 6.31% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR <80% | 6.34% | 6.36% |
| Variable, Owner occupier, P&I, LVR up to 95%, fhlds family guarantee scheme | 6.34% | 6.36% |
| Variable, Owner occupier, P&I, LVR up to 98%FHLDS Family Guarantee Scheme | 6.34% | 6.36% |
| Variable, Investor, LVR up to 60%LVR <60% | 6.49% | 6.56% |
| Variable, Investor, LVR 60 to 70%LVR <70% | 6.54% | 6.61% |
| Variable, Investor, LVR 70 to 80%LVR <80% | 6.59% | 6.66% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR <90% | 6.59% | 6.61% |
| Variable, Owner occupier, P&I, LVR up to 95%, first home buyer scheme | 6.59% | 6.61% |
| Variable, Investor, LVR 80 to 90%LVR <90% | 6.84% | 6.91% |
| Variable, Owner occupier, P&I, LVR 90 to 95%LVR <95% | 6.94% | 6.96% |
| Variable, Investor, LVR 90 to 95%LVR <95% | 7.19% | 7.26% |
Rate moves, last 30 days
- 15 October 2026: 10 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 5.99% to 6.24%.
- 15 October 2026: Variable, Investor, LVR 90 to 95% lifted 0.30pp, from 6.89% to 7.19%.
- 15 October 2026: Variable, Owner occupier, P&I, LVR 90 to 95% lifted 0.30pp, from 6.64% to 6.94%.
Published fees
| Fee | Amount |
|---|---|
| Home loan establishment feeupfront: waived on the classic plus package | $700 |
| Standard settlement feeupfront: Applies once only per standard loan facility and waived on the classic plus package. | $195 |
| Construction settlement feeupfront: Applies once only per construction loan facility | $295 |
| Paper redraw feewhen it happens: Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking | $25 |
| Top up feewhen it happens: Applies when further lending is requested and applied to a current QBANK loan limit. | $200 |
| Additional security feewhen it happens: Applies to each additional security within a loan facility. | $185 |
| Split loan feewhen it happens: Applies per additional loan split and waived on the classic plus package | $25 |
Other QBank home loans
Classic Plus Home Loan 6.34%2 Year Fixed Home Loan 6.49%3 Year Fixed Home Loan 6.49%1 Year Fixed Home Loan 6.54%5 Year Fixed Home Loan 6.64%4 Year Fixed Home Loan 6.69%
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