Classic Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
QBANK Home Loan Rates
Active products
7
Lowest variable
6.04%
Lowest fixed
6.54%
Lowest comparison
6.08%
Last updated
28 July 2026
QBANK is one of the Australian home-loan lenders we track daily. We currently surface 7 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 is the lowest QBANK home loan rate?
The lowest QBANK variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.54% p.a. These figures come from the 7 QBANK products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does QBANK offer?
Ratesniffers currently tracks 7 QBANK home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.54% p.a. | 6.58% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.54% p.a. | 6.58% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.59% p.a. | 6.63% p.a. | 95% |
| Fixed 5-year Owner-occupier P&I | 6.69% p.a. | 6.73% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.74% p.a. | 6.78% p.a. | 95% |
7 QBANK home loan products
Classic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
2 Year Fixed Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤95%
3 Year Fixed Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤95%
1 Year Fixed Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤95%
5 Year Fixed Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤95%
4 Year Fixed Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤95%
Negotiate QBANK rates with a broker
Advertised rates aren't always the rate QBANK actually approves. Our broker negotiates against your specific scenario, no fee.
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. It pairs naturally with BankVic on a police shortlist; compare both against the wider market in the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
QBANK home loans: frequently asked questions
What is the lowest QBANK home loan rate?
QBANK's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.54% p.a., based on the 7 QBANK products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate QBANK approves, a broker can often negotiate a sharper deal on your scenario.
How does QBANK's home loan rate compare to the market?
QBANK's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts QBANK among the more competitive lenders on variable rates today. 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 7 QBANK home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily 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 6.08% 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 28 July 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.
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