QBANK · Owner-occupier · Updated November 2026

QBANK Owner-occupier Home Loans, November 2026

QBANK lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.24% p.a.), on Classic Owner Occupied <60% LVR Special. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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QBANK owner occupier home loan rates, November 2026

QBANKClassic Owner Occupied <60% LVR Special

VariableRedraw

Interest

6.24%p.a.

Comparison*

6.24%p.a.

Est. repayment

$3,075

LVR ≤60%

Enquire

QBANKClassic Owner Occupied 60% - 70% LVR Special

VariableRedraw

Interest

6.29%p.a.

Comparison*

6.29%p.a.

Est. repayment

$3,092

LVR 60 to 70%

Enquire

QBANKClassic Owner Occupied <98% LVR Special (Aus Gov 5% Deposit Scheme)

VariableRedraw

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤98%

Enquire

QBANKClassic Owner Occupied 70% - 80% LVR Special

VariableRedraw

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR 70 to 80%

Enquire

QBANKClassic First Home Buyer First Responder 95% LVR + LMI Special

VariableRedraw

Interest

6.59%p.a.

Comparison*

6.59%p.a.

Est. repayment

$3,190

LVR ≤95%

Enquire

QBANKClassic Owner Occupied 80% - 90% LVR Special

VariableRedraw

Interest

6.59%p.a.

Comparison*

6.59%p.a.

Est. repayment

$3,190

LVR 80 to 90%

Enquire

QBANKClassic Plus Home Loan

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,108

LVR 70 to 80%

Enquire

QBANKClassic Home Loan

VariableRedraw

Interest

6.34%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,108

LVR 70 to 80%

Enquire

QBANKClassic Plus Owner Occupied <60% LVR Special

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

QBANKClassic Plus Owner Occupied <60% LVR Special

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

QBANKClassic Plus Owner Occupied 60% - 70% LVR Special

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.66%p.a.

Est. repayment

$3,124

LVR 60 to 70%

Enquire

QBANKClassic Plus Owner Occupied 60% - 70% LVR Special

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.66%p.a.

Est. repayment

$3,124

LVR 60 to 70%

Enquire

QBANKClassic Plus Owner Occupied 70% - 80% LVR Special

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

QBANKClassic Plus Owner Occupied 70% - 80% LVR Special

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

QBANKClassic Owner Occupied <95% LVR Special

VariableRedraw

Interest

6.94%p.a.

Comparison*

6.94%p.a.

Est. repayment

$3,306

LVR ≤95%

Enquire

QBANKClassic Plus Owner Occupied 80% - 90% LVR Special

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

6.95%p.a.

Est. repayment

$3,223

LVR 80 to 90%

Enquire

QBANKClassic Plus Owner Occupied 80% - 90% LVR Special

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

6.95%p.a.

Est. repayment

$3,223

LVR 80 to 90%

Enquire

QBANKClassic Plus Owner Occupied <95% LVR Special

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

7.30%p.a.

Est. repayment

$3,340

LVR ≤95%

Enquire

QBANKClassic Plus Owner Occupied <95% LVR Special

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

7.30%p.a.

Est. repayment

$3,340

LVR ≤95%

Enquire

QBANK5 Year Fixed Rate Owner Occupied P&I

5y FixedRedraw

Interest

6.64%p.a.

Comparison*

7.57%p.a.

Est. repayment

$3,207

LVR ≤95%

Enquire

QBANK5 Year Fixed Home Loan

5y FixedRedraw

Interest

6.64%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,207

LVR ≤95%

Enquire

QBANK4 Year Fixed Rate Owner Occupied P&I

4y FixedRedraw

Interest

6.69%p.a.

Comparison*

7.71%p.a.

Est. repayment

$3,223

LVR ≤95%

Enquire

QBANK4 Year Fixed Home Loan

4y FixedRedraw

Interest

6.69%p.a.

Comparison*

7.73%p.a.

Est. repayment

$3,223

LVR ≤95%

Enquire

QBANK3 Year Fixed Home Loan

3y FixedRedraw

Interest

6.49%p.a.

Comparison*

7.78%p.a.

Est. repayment

$3,157

LVR ≤95%

Enquire

*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 · Owner-occupier

QBANK owner-occupier home loans, what to weigh

QBANK's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every owner-occupier option has the same price.