Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

Qudos Bank was founded in 1959 as the Qantas Staff Co-operative Credit Union by a group of Qantas Airways staff who decided to pool their funds to get more competitive loans and savings accounts. It was rebranded to Qudos Bank in 2016 and now has over 100,000 members.

As a mutual organisation, Qudos Bank is owned and operated for the benefit of its members, and its profits go back to its members in the form of better rates and fairer fees. Any member over 18 years of age has the ability to vote as a shareholder of the bank.

Qudos Bank has an administration office in Mascot, NSW, as well as several branches throughout Australia: Sydney City, Miranda, Qantas Campus, Domestic Terminal, Qantas Jetbase and Qantas Freight Terminal in NSW; Niddrie and Domestic Terminal in Melbourne; Ascot, Brisbane; and Redcliffe, Perth.

The bank is one of the financial institutions in Australia that reward members with Qantas Points on a range of banking products. In addition, its members enjoy their own exclusive member lounge at Qudos Bank Arena and from time to time special ticket offers and competitions offering VIP experiences.

Qudos Bank provides financial security with an A2 investment grade rating, offering up not just attractive home loans but also a competitive range of personal loans, savings accounts, credit cards, and insurance products. Its home loan products come with features including free extra repayments, an offset account, fee-free options, and package perks.

In addition to offering these products, its experienced team of personal bankers and lending specialists are dedicated to ensuring you receive the highest level of service.

You can apply for a mortgage with Qudos Bank online, or by arranging a phone, Skype or face-to-face appointment. When you apply, having the following with you will make the process go much quicker:

  • ID (can be a driver's licence, passport or Medicare card)
  • Employment details
  • Income details including your net income amount
  • A list of your assets and their approximate value (includes things like properties, savings, vehicles and superannuation)
  • A list of your liabilities (such as credit card limits, balances and repayments)
  • Personal insurance documents

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