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Qudos Bank Home Loan Rates

Active products
43
Lowest variable
6.13%
Lowest fixed
6.34%
Lowest comparison
6.13%
Last updated
10 July 2026

Qudos Bank is one of the Australian home-loan lenders we track daily. We currently surface 43 active products from Qudos Bank, 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 Qudos Bank home loan rate?

The lowest Qudos Bank variable home loan rate Ratesniffers tracks is 6.13% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 41 Qudos Bank products on this page, ranked by comparison rate, last verified 10 July 2026.

How many home loan products does Qudos Bank offer?

Ratesniffers currently tracks 41 Qudos Bank 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.

Qudos Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.13% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.19% p.a.6.19% p.a.100%
Variable Owner-occupier P&I6.13% p.a.6.32% p.a.100%
Fixed 1-year Owner-occupier P&I6.34% p.a.6.16% p.a.100%
Variable Investor P&I6.34% p.a.6.34% p.a.100%
Variable Owner-occupier interest-only6.38% p.a.6.24% p.a.100%
Fixed 2-year Owner-occupier P&I6.39% p.a.6.19% p.a.100%
Fixed 1-year Investor P&I6.39% p.a.6.35% p.a.100%
Variable Investor P&I6.39% p.a.6.39% p.a.100%
Variable Owner-occupier interest-only6.38% p.a.6.44% p.a.100%
Fixed 2-year Investor P&I6.44% p.a.6.36% p.a.100%
Variable Owner-occupier interest-only6.44% p.a.6.35% p.a.100%

41 Qudos Bank home loan products

Qudos Bank logo
No Frills Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.13%p.a.
Verify, 69d old
Comparison*
6.13%p.a.
Monthly repayment
$3,040
LVR —
More details
Qudos Bank logo
Low Cost Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Verify, 70d old
Comparison*
6.19%p.a.
Monthly repayment
$3,059
LVR —
More details
Qudos Bank logo
No Frills Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.38%p.a.
Verify, 69d old
Comparison*
—
Monthly repayment
$3,121
LVR —
More details
Qudos Bank logo
Low Cost Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Verify, 70d old
Comparison*
6.39%p.a.
Monthly repayment
$3,124
LVR —
More details
Qudos Bank logo
Low Cost Value Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.38%p.a.
Verify, 70d old
Comparison*
6.44%p.a.
Monthly repayment
$3,121
LVR —
More details
Qudos Bank logo
Low Cost Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Verify, 70d old
Comparison*
—
Monthly repayment
$3,141
LVR —
More details
Qudos Bank logo
No Frills Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
Verify, 69d old
Comparison*
—
Monthly repayment
$3,190
LVR —
More details
Qudos Bank logo
Low Cost Value Package
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.54%p.a.
Verify, 70d old
Comparison*
6.60%p.a.
Monthly repayment
$3,174
LVR —
More details
Qudos Bank logo
Low Cost Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Verify, 70d old
Comparison*
—
Monthly repayment
$3,207
LVR —
More details
Qudos Bank logo
Home Access loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
7.63%p.a.
Verify, 70d old
Comparison*
—
Monthly repayment
$3,541
LVR —
More details

Negotiate Qudos Bank rates with a broker

Advertised rates aren't always the rate Qudos Bank actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

Who is Qudos Bank?

Qudos Bank began in 1959 as the Qantas Staff Credit Union, took the Qudos name in 2016, and in July 2025 merged with Bank Australia, continuing as a brand within one of the country's largest customer-owned banking groups, with combined assets over $17.5 billion.

Its aviation heritage still shows in its member base, but membership is open to everyone, and its home-loan pricing has long punched above its size.

Who suits a Qudos Bank home loan?

Qudos tends to suit borrowers who want mutual pricing with the scale of the merged Bank Australia group behind it, and aviation-industry workers who value its heritage. Its variable rates frequently rank well in our index, so see where it sits in the table above today.

Background facts checked 21 July 2026. Rates above refresh independently.

Qudos Bank home loans: frequently asked questions

What is the lowest Qudos Bank home loan rate?

Qudos Bank's lowest variable home loan rate is currently 6.13% p.a., and its lowest fixed rate is 6.34% p.a., based on the 41 Qudos Bank products Ratesniffers ranks by comparison rate, last verified 10 July 2026. The advertised rate isn't always the rate Qudos Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does Qudos Bank's home loan rate compare to the market?

Qudos Bank's lowest variable home loan rate today is 6.13% p.a., which is 4 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Qudos Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Qudos Bank sits right now rather than a fixed snapshot.

How many home loan products does Qudos Bank offer?

Ratesniffers currently tracks 43 Qudos Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 41 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 loans sit at the top.

Is Qudos Bank competitive for refinancing?

It depends on your loan size and LVR. Qudos Bank's lowest comparison rate is currently 6.13% 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 Qudos Bank against the sharpest available rate usually pays off.

How often are Qudos Bank's home loan rates updated?

Ratesniffers last verified Qudos Bank's home loan rates on 10 July 2026. Rates can change whenever Qudos Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

Qudos Bank rates by borrower and loan type

The same Qudos Bank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

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Mortgage guides and market context

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