Variable Rate Home Loan (Owner Occupied) (Principal and Interest) (LVR < 90%)
- No ongoing fees
- 100% full offset account
- Extra repayments + redraw services
- Free redraw facility
- Discharge fee at end of loan
- Repayments may increase if RBA raises rates
Interest rate structure
$150k - $100m
Principal & interest
Loan term range
1 - 30 years
100% offset account
Unlimited extra repayments
Redraw fee: $0
Allows split interest
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Estimated upfront fees
Minimum SMSF Amount
$100 free monthly transaction allowance to use at ATMs and EFTPOS.
Repayment holidays not available on interest only loans
Compare and review home loans with similar features
Qudos Bank, previously known as Qantas Credit Union, is a customer-owned mutual bank that has operated since 1959.
Qudos is headquartered in Sydney. It has nine branches, including six in Sydney, one in Melbourne, one in Brisbane and one in Perth.
Qudos is a challenger mortgage lender that serves both owner-occupiers and investors, and offers below-average interest rates.
Qudos also offers savings accounts, term deposits, credit cards, personal loans, car loans, insurance and wealth management.
The standard variable rate (SVR) is the interest rate a lender applies to their standard home loan. It is a variable interest rate which is normally used as a benchmark from which they price their other variable rate home loan products.
A standard variable rate home loan typically includes most, if not all the features the lender has on offer, such as an offset account, but it often comes with a higher interest rate attached than their most ‘basic’ product on offer (usually referred to as their basic variable rate mortgage).