---
title: "No Frills 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/8cb93a86-51f1-4ef1-b5ff-97d88aa96e43
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-19T23:23:38.132Z
---

# No Frills 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**

No Frills Home Loan Owner

## At a glance

- **From (owner occupied):** 6.13% (6.13% 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% | 6.13% | 30% deposit or more OO PI |
| Variable | 6.14% | 6.14% | 20% to 30% deposit OO PI |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.38% | 6.24% | 30% deposit or more OO IO |
| Variable | 6.39% | 6.25% | 20% to 30% deposit OO IO |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.34% | 6.34% | 30% deposit or more Inv PI |
| Variable | 6.34% | 6.34% | 20% to 30% deposit Inv PI |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.59% | 6.45% | 30% deposit or more Inv IO |
| Variable | 6.59% | 6.45% | 20% to 30% 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 | $0.00 |

## Features

- **Digital banking** (Our secure Online Banking service means access to your accounts 24 hours a day, seven days a week.)
- **Real-time payments (NPP)** (This account is able to receive Osko payments)
- **PayID** (PayIDs can be linked with this account)
- **Repayment options of weekly, fortnightly, or monthly**
- **Redraw facility**
- **Extra repayments** (need the flexibility to make additional repayments)

## Eligibility

- **Employment status** — Full time, Part Time, Casual, Self Employed
- **Minimum age** — 18 years (18 years and above)
- **Individuals only**
- **Minimum deposit 20%**
- **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** — 80%

## More information from Qudos Bank

- [Overview](https://www.qudosbank.com.au/products/home-loans/no-frills-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/no-frills-home-loan)
- [Fees & pricing](https://www.qudosbank.com.au/products/home-loans/no-frills-home-loan)

## Data provenance

- Published by Qudos Bank under the Consumer Data Right
- Product ID: `8cb93a86-51f1-4ef1-b5ff-97d88aa96e43`
- Last updated by the provider: 19 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qudos-bank/8cb93a86-51f1-4ef1-b5ff-97d88aa96e43
- 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/8cb93a86-51f1-4ef1-b5ff-97d88aa96e43) — 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)