QBANK Home Loan Rates
QBANK lifted its variable home-loan rates by 0.25 percentage points from 15 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
A verified QBANK product example is Classic Owner Occupied 70% - 80% LVR Special: 6.34% p.a. (6.34% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
A verified QBANK product example is 3 Year Fixed Rate Owner Occupied P&I: 6.49% p.a. (7.78% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
A verified QBANK product example is Classic Owner Occupied 70% - 80% LVR Special: 6.34% p.a. (6.34% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
QBANK is one of the Australian home-loan lenders we track daily. We currently surface 77 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?
Ratesniffers compares QBANK home loan products by comparison rate. A verified QBANK product example is Classic Owner Occupied 70% - 80% LVR Special: 6.34% p.a. (6.34% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified QBANK product example is 3 Year Fixed Rate Owner Occupied P&I: 6.49% p.a. (7.78% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified QBANK product example is Classic Owner Occupied 70% - 80% LVR Special: 6.34% p.a. (6.34% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified QBANK product example is 3 Year Fixed Rate Owner Occupied P&I: 6.49% p.a. (7.78% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 95%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does QBANK offer?
Ratesniffers currently tracks 77 QBANK home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 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.
QBANK home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.24% p.a. | 6.24% p.a. | 60% |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.29% p.a. | 70% |
| Variable Owner-occupier P&I | 6.34% p.a. | 6.34% p.a. | 98% |
| Variable Owner-occupier P&I | 6.34% p.a. | 6.34% p.a. | 80% |
| Variable Investor interest-only | 6.49% p.a. | n/a | 60% |
| Variable Investor P&I | 6.49% p.a. | 6.54% p.a. | 60% |
| Variable Investor interest-only | 6.54% p.a. | n/a | 70% |
| Variable Investor P&I | 6.54% p.a. | 6.59% p.a. | 70% |
| Variable Investor interest-only | 6.59% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.59% p.a. | 6.59% p.a. | 95% |
| Variable Investor interest-only | 6.59% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.59% p.a. | 6.59% p.a. | 90% |
60 of 77 tracked QBANK home loan products
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
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
The starting interest input uses this selected QBANK product example: Classic Owner Occupied 70% - 80% LVR Special: 6.34% p.a. (6.34% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
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.
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is QBANK?
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. Compare it 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 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.