Important disclosure

Qudos Mutual Limited T/A Qudos Bank

Home Access Loan

  • Owner Occupied
  • Variable
  • 20% min deposit
  • Interest Only
Interest Rate

7.63%

p.a

Comparison Rate*

Not Applicable

Real Time Rating™
Tags
  • Owner Occupied
  • Variable
  • 20% min deposit
  • Interest Only
Interest Rate

7.63%

p.a

Comparison Rate*

Not Applicable

ly Repayment

$0

based on $350,000 loan amount for 25 years at 7.63%

Home Access Loan

Find your ideal home loan from one of the 1 home loans from Qudos Bank

Principal and Interest (P&I)

Loan typeLoan to value ratio
Interest rate
Comparison rate

Interest only

Loan typeLoan to value ratio
Interest rate
Comparison rate
Variable
Up to 80%

7.63% p.a.

- p.a.

Product Info

Qudos Bank Variable Rate Home loan overview

For Home Access Loan

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Line of Credit, Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Repayment options

Monthly

Target Market Determination

Visit Qudos Mutual Limited T/A Qudos Bank to view Target Market Determination.

Features

Extra repayments

Not Allowed

Redraw facility

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

$100 free monthly transaction allowance to use at ATMs and EFTPOS.

Fees

Total estimated upfront fees

$600

Application fee

$600

Valuation fee

$0

Settlement fee

$0

Other upfront fee

$0

Ongoing fee

$0

Discharge fee

$275

Other Restrictions

Repayment holidays not available on interest only loans

Pros and cons

For Home Access Loan

Benefits

  • No ongoing fees

Drawbacks

  • No extra repayments
  • No redraw and no offset
  • Higher than average interest rate
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays
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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $0 to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

Qudos Mutual Limited T/A Qudos Bank allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Qudos Mutual Limited T/A Qudos Bank allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $600 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

Where can you apply for this loan?

Qudos Mutual Limited T/A Qudos Bank makes it possible to apply for this product online. Apply here.