Fixed Rate Home Loan
Home LoansData Sharing Status
Our fixed interest rate home loan safeguards you from interest rate rises with fixed home loan rates for 1 to 5 year terms.
- From (owner occupied)
- 6.34%
- 6.16% comparison
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 |
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 years18 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 — $150,000.00Minimum amount $150K
- Minimum LVR — 0%
- Maximum LVR — 90%
More Information
Published by Qudos Bank under the Consumer Data Right · Last updated 17 June 2026 · Product ID 1dd0fcbe-9d7e-4e82-a18f-935ada0e237f · View on CDR.gov.au · View Source Data (JSON)