Qudos Bank
Qudos Bank

Fixed Rate Loan IO - At least 10% but less than 20% deposit (Owner Occupier)

Fixed Rates: All Terms (p.a.)
Term Fixed Rate Comparison Rate*
1 Year 5.54% 3.22%
2 Year 6.04% 3.52%
3 Year 6.49% 3.89%
4 Year 6.59% 4.19%
5 Year 6.69% 4.49%
Key Features
Loan Type
Min Loan
Max Loan
Application Fee
Borrow upto
of property value
Ongoing fee
Redraw Facility
Offset Account

Loan Details

Loan Type Fixed
Security Type ResidentialProperty
Availability Owner Occupiers
Repayment Options Interest Only
Repayment Frequency Weekly, Fortnightly, Monthly
Min Loan Term 0
Max Loan Term 30
Max Loan to Value Ration (LVR) 80%
Max LVR with Mortgage Insurance 90%
Min Loan Amount $150,000.00
Max Loan Amount $0.00
Interest Rate Notes


Extra Repayments
Loan is Transferable (Portable)
Transfer Fee -
Mortgage Offset Available
Mortgage Offset 100%
Mortgage Offset Rate -%
Redraw Available
Min Redraw Amount -
Max Redraw Amount -
Redraw Fee -
Redraw Notice Period
Redraw Method
Redraw Notes & Comments

Split Account

Split Available
Max No. of Accounts for Split n/a
Separate Statements for Split
Statement Frequency
Fixed Option
Fee for Fixing n/a


Application Fee $0.00
Legal Fee $0.00
Valuation Fee $0.00
Settlement Fee $0.00
Service Fee $0.00
Exit Fee -
Early Termination Fee

Break Costs

Break costs are payable if, during a fixed rate period: • the whole of the loan to which a fixed rate applies is repaid; in this case, this fee is payable on the date of that repayment, or • any part of the loan to which a fixed rate applies is repaid ahead of the scheduled repayments; if the total amount repaid ahead of the scheduled repayments in any 12 month period does not exceed $10,000, break costs do not apply, or • the whole or part of your fixed rate loan is changed by agreement to another type of annual percentage rate. Break costs are payable on fixed rate loans even if repayment is because of a demand by us after default. Break costs are further explained in the T&Cs.

General Fee Notes:

General Notes:

~All fixed rate owner occupied loans revert to 2.99% and all fixed rate investment loans revert to 3.54%

*The comparison rates in this table are based on a secured loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.