---
title: "Low Cost Value Package — 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/839c8344-d6dc-42c7-a068-8e7b0347ea35
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-19T22:00:27.264Z
---

# Low Cost Value Package — 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**

Low Cost Home Loan Value Package

## At a glance

- **From (owner occupied):** 6.13% (6.32% 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 |
| --- | --- | --- | --- |
| Variable | 6.13% | 6.32% | 30% deposit or more OO PI |
| Variable | 6.18% | 6.36% | 20% to 30% deposit OO PI |
| Variable | 6.39% | 6.57% | 10% to 20% deposit OO PI |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.38% | 6.44% | 30% deposit or more OO IO |
| Variable | 6.43% | 6.46% | 20% to 30% deposit OO IO |
| Variable ( ) | 6.64% | 6.55% | 10% to 20% deposit OO IO |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.29% | 6.47% | 30% deposit or more Inv PI |
| Variable | 6.34% | 6.52% | 20% to 30% deposit Inv PI |
| Variable | 6.69% | 6.87% | 10% to 20% deposit Inv PI |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.54% | 6.6% | 30% deposit or more Inv IO |
| Variable ( ) | 6.59% | 6.62% | 20% to 30% deposit Inv IO |
| Variable | 6.94% | 6.77% | 10% to 20% deposit Inv IO |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Redraw Fee — Redraw is not available during the construction period. | Event | $0.00 |
| Account Keeping Fee — Charged yearly | Ongoing | $0.00 |
| Establishment Fee | Upfront | $0.00 |
| Annual Fee — Charged yearly | Ongoing | $199.00 |

## Features

- **Offset account** — Offset Accounts (Free multiple offset accounts)
- **Repayment holidays - when your repayments are in advance** — Repayment Holidays
- **Redraw facility** — Redraw (Instant redraw available from within Online Banking)
- **Extra repayments** — Repayments (need the flexibility to make additional repayments)
- **Visa Platinum Credit Card Annual fee waiver ($199)** — Fee Waiver
- **Personal Loan & Overdraft application fee waiver ($150 each)** — Application Fee Waiver
- **Split loans available**

## Eligibility

- **Employment status** — Full time, Part Time, Casual, Self Employed
- **Minimum age** — 18 years (18 years and above)
- **Individuals only**
- **Minimum deposit 10%**
- **Residency status** — Customers who are Permanent Resident or Citizens may apply for the product

## 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/low-cost-home-loan-value-package)
- [Terms & conditions](https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions)
- [Eligibility](https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package)
- [Fees & pricing](https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package)
- [Bundle information](https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package)

## Data provenance

- Published by Qudos Bank under the Consumer Data Right
- Product ID: `839c8344-d6dc-42c7-a068-8e7b0347ea35`
- Last updated by the provider: 19 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qudos-bank/839c8344-d6dc-42c7-a068-8e7b0347ea35
- 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/839c8344-d6dc-42c7-a068-8e7b0347ea35) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)