Qudos Bank Home Access Loan


The Qudos Bank Home Access Loan is available to both owner-occupiers and investors and allows customers to borrow up to 80 per cent of their property value.

The loan has a moderate interest rate but interest is only paid on the amount of available credit used.

The Qudos Bank Home Access Loan is very flexible when it comes to repayments. Borrowers can make unlimited repayments over the life of the loan without incurring extra charges.

A redraw facility is available up to an approved limit which will provide customers with easy access to their funds when needed. Borrowers can access their equity using Visa Debit, BPAY and cheque.

Another feature of the Qudos Bank Home Access Loan is that customers with a loan balance of over $50,000 can access a $100 ATM transaction allowance each month if they have a savings account with Qudos Bank.

Who is the Qudos Bank Home Access Loan good for?

The Qudos Bank Home Access Loan is suitable for property owners looking for a line of credit to fund renovations, investments or any other purchases.

Borrowers who prefer to make payments on a flexible schedule will also appreciate the ability to do so unencumbered with this loan.

As Qudos Bank has limited branches located around Australia, the majority of contact for most customers will be through phone and online conversations. This is a consideration that should be taken into account for borrowers considering the Qudos Bank Home Access Loan.

Review - What RateCity says

The Qudos Bank Home Access Loan offers a relatively moderate interest rate for those looking to use their property as security to access a line of credit.

The loan comes with a high upfront fee but no ongoing fees and interest is only paid on the amount of credit used. Customers can borrow up to 80 per cent of the property value which is useful for those looking to renovate their existing property or invest elsewhere.

The Qudos Bank Home Access Loan gives customers a degree of freedom and flexibility to fund purchases by providing access to a redraw facility.

As with any line of credit loan, customers should be prudent with regards to any purchases made, given the potential size of the loan. It will also pay to be diligent with repayments and make extra repayments when possible, as the loan allows for unlimited payments to be made without penalty.

Qudos Bank Home Access Loan Options

Follow the below link for more information about the Home Access Loan from Qudos Bank.

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  • No ongoing fees.
  • Unlimited repayments can be made.
  • Redraw facility available.
  • High upfront fee.
  • Discharge fee payable at end of loan.
  • Limited branch access.

Must be a member of Qudos Bank.

Must be a citizen or permanent resident of Australia.

Must meet Qudos Bank’s serviceability criteria.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Line of Credit Loans
  • Estimated upfront fees: $600.00
  • Discharge fees: $275
  • Ongoing fees: $0 weekly

The Qudos Bank Home Access Loan has no annual or ongoing fee although there is a high upfront fee payable at the beginning of the loan. For borrowers without much cash this this may be an unwelcome cost. There is also a moderate discharge fee which borrowers will be subject to pay at the end of the loan.

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Monthly repayments
About Qudos Bank

Qudos Bank, formerly known as Qantas Credit Union, is an Australian mutual bank owned by its members. They operate branches across Australia and can be contacted via email, or phone.

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