QBANK is one of the Australian home-loan lenders we track daily. We currently surface 78 active products from QBANK, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are QBANK home loan rates?
QBANK home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.29% p.a. and the lowest fixed rate currently 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare QBANK against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest QBANK home loan rate?
The lowest QBANK variable home loan rate Ratesniffers tracks is 6.29% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 33 QBANK products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does QBANK offer?
Ratesniffers currently tracks 78 QBANK home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 33 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
QBANK home loan repayment calculator
Pre-filled with QBANK's lowest advertised variable rate in the table above, 6.29% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
QBANK is the member-owned bank of Queensland's police and emergency services, registered in 1964 as the Queensland Police Co-operative Credit Union. From 1979 it widened to ambulance, fire, nursing and public-sector workers, and it became a mutual bank under the QBANK name in 2016.
Brisbane-based and still profession-focused, its lending policies are built around emergency-services pay structures, including shift allowances and overtime.
Who suits a QBANK home loan?
QBANK tends to suit Queensland police, emergency-services and public-sector workers who want a mutual that understands their payslips. It pairs naturally with BankVic on a police shortlist; compare both against the wider market in the table above.
Background facts checked 4 September 2026. Rates above refresh independently.
QBANK fees, offset and limits at a glance
Application or establishment fee
$700
Discharge fee
$530
Settlement fee
$195
Additional valuation fee
$220
Rate lock fee
Greater of $200 or 0.15% of loan amount
Loan portability
$200
Offset account
100%
Minimum offset balance
No minimum
Lenders mortgage insurer
QBE
Capitalising LMI
Max LVR of 95% inc of capped LMI. Interest Only repayments max 90% LVR (inc LMI)
Maximum total lending
$2,000,000
Extra repayments on fixed
Max $10k per year (max $30k over 5 yr period)
When the fixed rate is locked
Fixed rate is secured for 90 days from the date the fixed rate cap agreement is signed.…
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
QBANK home loans: frequently asked questions
What are QBANK home loan rates?
QBANK home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.29% p.a., and the lowest fixed rate is 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare QBANK against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a QBANK balance, use /calculators/extra-repayment.
What is the lowest QBANK home loan rate?
QBANK's lowest variable home loan rate is currently 6.29% p.a., and its lowest fixed rate is 6.39% p.a., based on the 33 QBANK products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate QBANK approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 QBANK home loan?
At QBANK's lowest variable rate of 6.29% p.a., a $600,000 principal and interest loan over 30 years repays about $3,710 a month, and $500,000 about $3,092. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 QBANK home loan?
There is no single salary. Like every Australian lender, QBANK must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.29% p.a. is assessed at about 9.29% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does QBANK's home loan rate compare to the market?
QBANK's lowest variable home loan rate today is 6.29% p.a., which is 5 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking QBANK to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where QBANK sits right now rather than a fixed snapshot.
How many home loan products does QBANK offer?
Ratesniffers currently tracks 78 QBANK home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 33 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is QBANK competitive for refinancing?
It depends on your loan size and LVR. QBANK's lowest comparison rate is currently 7.39% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing QBANK against the sharpest available rate usually pays off.
How often are QBANK's home loan rates updated?
Ratesniffers refreshes QBANK's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever QBANK reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
