--- title: "Fixed Rate Home Loan — Qudos Bank" description: "Home Loans from Qudos Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/qudos-bank/products/1dd0fcbe-9d7e-4e82-a18f-935ada0e237f source: "CDR Compare" language: en-AU last_updated: 2026-06-17T22:00:22.847Z --- # Fixed Rate Home Loan — Qudos Bank > Home Loans from Qudos Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** Our fixed interest rate home loan safeguards you from interest rate rises with fixed home loan rates for 1 to 5 year terms. ## At a glance - **From (owner occupied):** 6.34% (6.16% comparison) ## Apply Applications are handled by the provider: [Apply at Qudos Bank](https://apply.qudosbank.com.au/NowApply/home) ## Interest rates ### Owner occupied — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year | 6.34% | 6.16% | 20% deposit or more, 1 year fixed rate OO PI | | Fixed · 2 years | 6.39% | 6.19% | 20% deposit or more, 2 years fixed rate OO PI | | Fixed · 3 years | 6.49% | 6.24% | 20% deposit or more, 3 years fixed rate OO PI | | Fixed · 4 years ( ) | 6.59% | 6.3% | 20% deposit or more, 4 years fixed rate OO PI | | Fixed · 5 years ( ) | 6.59% | 6.34% | 20% deposit or more, 5 years fixed rate OO PI | | Fixed · 1 year | 6.64% | 6.19% | 10% to 20% deposit, 1 year fixed rate OO PI | | Fixed · 2 years | 6.69% | 6.25% | 10% to 20% deposit, 2 years fixed rate OO PI | | Fixed · 3 years ( ) | 6.79% | 6.33% | 10% to 20% deposit, 3 years fixed rate OO PI | | Fixed · 4 years ( ) | 6.89% | 6.42% | 10% to 20% deposit, 4 years fixed rate OO PI | | Fixed · 5 years ( ) | 6.89% | 6.47% | 10% to 20% deposit, 5 years fixed rate OO PI | ### Owner occupied — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year ( ) | 6.59% | 6.19% | 20% deposit or more, 1 year fixed rate OO IO | | Fixed · 2 years | 6.64% | 6.24% | 20% deposit or more, 2 year fixed rate OO IO | | Fixed · 3 years | 6.74% | 6.31% | 20% deposit or more, 3 year fixed rate OO IO | | Fixed · 4 years | 6.84% | 6.39% | 20% deposit or more, 4 year fixed rate OO IO | | Fixed · 5 years | 6.84% | 6.44% | 20% deposit or more, 5 year fixed rate OO IO | | Fixed · 1 year | 6.89% | 6.22% | 10% to 20% deposit, 1 year fixed rate OO IO | | Fixed · 2 years | 6.94% | 6.3% | 10% to 20% deposit, 2 year fixed rate OO IO | | Fixed · 3 years | 7.04% | 6.39% | 10% to 20% deposit, 3 year fixed rate OO IO | | Fixed · 4 years | 7.14% | 6.5% | 10% to 20% deposit, 4 year fixed rate OO IO | | Fixed · 5 years | 7.14% | 6.57% | 10% to 20% deposit, 5 year fixed rate OO IO | ### Investment — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year ( ) | 6.39% | 6.35% | 20% deposit or more, 1 year fixed rate Inv PI | | Fixed · 2 years | 6.44% | 6.36% | 20% deposit or more, 2 years fixed rate Inv PI | | Fixed · 3 years | 6.54% | 6.4% | 20% deposit or more, 3 years fixed rate Inv PI | | Fixed · 4 years ( ) | 6.64% | 6.45% | 20% deposit or more, 4 years fixed rate Inv PI | | Fixed · 5 years ( ) | 6.64% | 6.47% | 20% deposit or more, 5 years fixed rate Inv PI | | Fixed · 1 year ( ) | 6.69% | 6.38% | 10% to 20% deposit, 1 year fixed rate Inv PI | | Fixed · 2 years ( ) | 6.74% | 6.42% | 10% to 20% deposit, 2 years fixed rate Inv PI | | Fixed · 3 years | 6.84% | 6.48% | 10% to 20% deposit, 3 years fixed rate Inv PI | | Fixed · 4 years ( ) | 6.94% | 6.56% | 10% to 20% deposit, 4 years fixed rate Inv PI | | Fixed · 5 years | 6.94% | 6.61% | 10% to 20% deposit, 5 years fixed rate Inv PI | ### Investment — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year ( ) | 6.64% | 6.37% | 20% deposit or more, 1 year fixed rate Inv IO | | Fixed · 2 years ( ) | 6.69% | 6.41% | 20% deposit or more, 2 years fixed rate Inv IO | | Fixed · 3 years ( ) | 6.79% | 6.47% | 20% deposit or more, 3 years fixed rate Inv IO | | Fixed · 4 years | 6.89% | 6.54% | 20% deposit or more, 4 years fixed rate Inv IO | | Fixed · 5 years ( ) | 6.89% | 6.58% | 20% deposit or more, 5 years fixed rate Inv IO | | Fixed · 1 year ( ) | 6.94% | 6.4% | 10% to 20% deposit, 1 year fixed rate Inv IO | | Fixed · 2 years | 6.99% | 6.47% | 10% to 20% deposit, 2 year fixed rate Inv IO | | Fixed · 3 years | 7.09% | 6.55% | 10% to 20% deposit, 3 year fixed rate Inv IO | | Fixed · 4 years | 7.19% | 6.65% | 10% to 20% deposit, 4 year fixed rate Inv IO | | Fixed · 5 years | 7.19% | 6.71% | 10% to 20% deposit, 5 year fixed rate Inv IO | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Rate Lock Fee — Minimum fee $50 | Other | 0.1% of balance | | Annual Fee — Charged yearly | Ongoing | $0.00 | | Account Keeping Fee — Charged yearly | Ongoing | $0.00 | | Establishment Fee | Upfront | $0.00 | ## Features - **Rate guarantee for a period of 90 days. Terms & conditions and fees apply** — Rate guarantee - **Split your loan with our lowest variable rate** — Split loans - **Choice of 1, 2, 3, 4 or 5 year fixed terms** — Fixed terms - **Extra repayments** — Extra repayments (the ability to make additional repayments of $10,000 per year during the fixed rate period without incurring a break cost fee) ## Eligibility - **Employment status** — Full time, Part Time, Casual, Self Employed - **Minimum age** — 18 years (18 years and above) - **Individuals only** - **Residency status** — Customers who are Permanent Resident or Citizens may apply for the product - **Minimum deposit 5%** ## Constraints - **Minimum limit** — $150,000.00 (Minimum amount $150K) - **Minimum LVR** — 0% - **Maximum LVR** — 90% ## More information from Qudos Bank - [Overview](https://www.qudosbank.com.au/products/home-loans/fixed-rate-home-loan) - [Terms & conditions](https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions) - [Eligibility](https://www.qudosbank.com.au/products/home-loans/fixed-rate-home-loan) - [Fees & pricing](https://www.qudosbank.com.au/products/home-loans/fixed-rate-home-loan) ## Data provenance - Published by Qudos Bank under the Consumer Data Right - Product ID: `1dd0fcbe-9d7e-4e82-a18f-935ada0e237f` - Last updated by the provider: 17 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/qudos-bank/1dd0fcbe-9d7e-4e82-a18f-935ada0e237f - Provider page: https://www.cdrcompare.au/brands/qudos-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000134 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/qudos-bank/products/1dd0fcbe-9d7e-4e82-a18f-935ada0e237f) — product data published by Australian data holders under the Consumer Data Right. 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