---
title: "Classic Home Loan — QBANK"
description: "Home Loans from QBANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/qbank/products/ClassicHomeLoan
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-26T12:42:14.000+10:00
---

# Classic Home Loan — QBANK

> Home Loans from QBANK. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Classic Home Loan

## At a glance

- **From (owner occupied):** 6.04% (6.06% comparison)

## Apply

Applications are handled by the provider: [Apply at QBANK](https://www.qbank.com.au/apply-online)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.04% | 6.06% | LVR <60% |
| Variable | 6.09% | 6.11% | LVR <70% |
| Variable | 6.14% | 6.16% | LVR <80% |
| Variable | 6.39% | 6.41% | LVR <90% |
| Variable | 6.39% | 6.41% | First Home Buyer Scheme ≤95% |
| Variable | 6.69% | 6.71% | LVR <95% |

### Investment — Any repayment type

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.29% | 6.36% | LVR <60% |
| Variable | 6.34% | 6.41% | LVR <70% |
| Variable | 6.39% | 6.46% | LVR <80% |
| Variable | 6.64% | 6.71% | LVR <90% |
| Variable | 6.94% | 7.01% | LVR <95% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| HOME_LOAN_ESTABLISHMENT_FEE — waived on the classic plus package | Upfront | $700.00 |
| STANDARD_SETTLEMENT_FEE — Applies once only per standard loan facility and waived on the classic plus package. | Upfront | $195.00 |
| CONSTRUCTION_SETTLEMENT_FEE — Applies once only per construction loan facility | Upfront | $295.00 |
| PAPER_REDRAW_FEE — Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking | Event | $25.00 |
| TOP_UP_FEE — 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 | Event | $200.00 |
| ADDITIONAL_SECURITY_FEE — Applies to each additional security within a loan facility. | Event | $185.00 |
| SPLIT_LOAN_FEE — Applies per additional loan split and waived on the classic plus package | Event | $25.00 |

## Features

- **Extra repayments** (No penalty for extra repayments)
- **We've got your valuation and mortgage legal fees covered up to the value of $700**
- **Split Loan**
- **Redraw facility** (Free online redraw for P&I loans)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Permanent Australian residents or Australian citizens (Residing in Australia or overseas, where the security provided is in Australia)

## Constraints

- **Minimum limit** — $50,000.00

## More information from QBANK

- [Overview](https://qbank.com.au/loans-credit-cards/home-loans/home-loan-options/)
- [Terms & conditions](https://www.qbank.com.au/other-content/general-information-terms-conditions/)
- [Eligibility](https://www.qbank.com.au/membership/who-can-join/)
- [Fees & pricing](https://www.qbank.com.au/rates-fees)

## Data provenance

- Published by QBANK under the Consumer Data Right
- Product ID: `ClassicHomeLoan`
- Last updated by the provider: 26 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qbank/ClassicHomeLoan
- Provider page: https://www.cdrcompare.au/brands/qbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000210

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/qbank/products/ClassicHomeLoan) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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