Classic Home Loan
Classic Home Loan
Category: Home Loans Last Updated December 11, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
5.24% PA
5.24% PA
Comparison Rate
5.26%PA*
5.26%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
LVR <70%
Minimum: 60 PERCENT Maximum: 69.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.54%, Comparison Rate 5.61%
- Repayment Type:
- Loan Purpose: Investment
LVR <80%
Minimum: 70 PERCENT Maximum: 79.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.59%, Comparison Rate 5.66%
- Repayment Type:
- Loan Purpose: Investment
LVR <90%
Minimum: 80 PERCENT Maximum: 89.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.79%, Comparison Rate 5.86%
- Repayment Type:
- Loan Purpose: Investment
LVR <95%
Minimum: 90 PERCENT Maximum: 94.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.09%, Comparison Rate 6.16%
- Repayment Type:
- Loan Purpose: Investment
LVR <60%
- Lending Rate Type: Variable
- Interest Rate: 5.24%, Comparison Rate 5.26%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR <70%
Minimum: 60 PERCENT Maximum: 69.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.29%, Comparison Rate 5.31%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR <80%
Minimum: 70 PERCENT Maximum: 79.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.34%, Comparison Rate 5.36%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR <90%
Minimum: 80 PERCENT Maximum: 89.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.54%, Comparison Rate 5.56%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR <95%
Minimum: 90 PERCENT Maximum: 94.9999 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.84%, Comparison Rate 5.86%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
First Home Buyer Scheme
- Lending Rate Type: Variable
- Interest Rate: 5.54%, Comparison Rate 5.56%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Extra Repayments Additional Information: No penalty for extra repayments
- Other Additional Information: We've got your valuation and mortgage legal fees covered up to the value of $700
Product Eligibility
- Min Age - 18.
Bank Fees and Charges
- Home Loan Establishment Fee (Upfront), Amount: 700.00. Additional Information: waived on the classic plus package
- Standard Settlement Fee (Upfront), Amount: 195.00. Additional Information: Applies once only per standard loan facility and waived on the classic plus package.
- Construction Settlement Fee (Upfront), Amount: 295.00. Additional Information: Applies once only per construction loan facility
- Paper Redraw Fee (Event), Amount: 25.00. Additional Information: Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking
- Top Up Fee (Event), Amount: 200.00. Additional Information: Applies when further lending is requested and applied to a current QBANK loan limit. Payable at the time the top-up is funded.Waived on the classic plus package
- Additional Security Fee (Event), Amount: 185.00. Additional Information: Applies to each additional security within a loan facility.
- Split Loan Fee (Event), Amount: 25.00. Additional Information: Applies per additional loan split and waived on the classic plus package
Limitations & Restrictions (Constraints)
- Min Limit of 50000.00
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