QBANK · Variable · Updated November 2026

QBANK Variable Home Loans, November 2026

QBANK lists 24 variable 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 variable 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 Investment <60% LVR IO Special

VariableRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. interest only / month

$2,704

LVR ≤60%

Based on a $500,000 balance

Enquire

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.

QBANKClassic Investment <60% LVR P&I Special

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

QBANKClassic Investment 60% - 70% LVR IO Special

VariableRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. interest only / month

$2,725

LVR 60 to 70%

Based on a $500,000 balance

Enquire

QBANKClassic Investment 60% - 70% LVR P&I Special

VariableRedraw

Interest

6.54%p.a.

Comparison*

6.59%p.a.

Est. repayment

$3,174

LVR 60 to 70%

Enquire

QBANKClassic Plus Investment <60% LVR IO Special

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

QBANKClassic Plus Investment <60% LVR IO Special

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

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 Investment 70% - 80% LVR IO Special

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR 70 to 80%

Based on a $500,000 balance

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 Investment 70% - 80% LVR P&I Special

VariableRedraw

Interest

6.59%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,190

LVR 70 to 80%

Enquire

QBANKClassic Plus Investment 60% - 70% LVR IO Special

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 60 to 70%

Based on a $500,000 balance

Enquire

QBANKClassic Plus Investment 60% - 70% LVR IO Special

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 60 to 70%

Based on a $500,000 balance

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 Investment 70% - 80% LVR IO Special

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 70 to 80%

Based on a $500,000 balance

Enquire

QBANKClassic Plus Investment 70% - 80% LVR IO Special

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 70 to 80%

Based on a $500,000 balance

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 · Variable

QBANK variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.