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  4. Qbank
QBANK

QBANK home loans

Formerly known as Queensland Police Credit Union, QBank was first established in 1964 to service the economic and social needs of officers in the police force. In the years that followed, membership was open to other government sectors which included fire-fighters, ambulance officers, SES personnel and public sector staff. QBank now aims to address the needs of its members by offering financial advice, competitive loans, savings accounts and various other services and products.

QBank Home Loan Calculator
Interested in an QBank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how QBank compares to its competitors. Simply plug in your borrowing amount below. 

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Content updated
Product data updated22 Oct, 2023

Important disclosure

Why choose QBANK

Benefits

  • Competitive package rates for larger loans.
  • Flexible fixed loan features.
  • No monthly fees on some loans.
  • Split option on basic loans.
  • Relatively low package fee.

Drawbacks

  • Must be a member.
  • High rates on some home loans.
  • No offset account on standard variable rate home loan.
  • Limited branch access.

QBANK Home Loans

Loan amount

$

Minimum deposit

Loan type & Term

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Compare
Company
Product
Variable Home Loan - Classic Plus
Real Time Rating™
Features
Investor
5.01% min deposit
P&I
Offset Account
Australian Credit Licence 241413
Interest Rate
Comparison Rate*
Repayment

8.49%

p.a

Variable

8.74%

p.a

$2,816

monthly

Go to site
Australian Credit Licence 241413
Compare
Company
Product
Variable Home Loan - Classic
Real Time Rating™
Features
Investor
5.01% min deposit
P&I
Extra repayments
Australian Credit Licence 241413
Interest Rate
Comparison Rate*
Repayment

8.19%

p.a

Variable

8.27%

p.a

$2,746

monthly

Go to site
Australian Credit Licence 241413
Compare
Company
Product
Variable Home Loan - Classic
Real Time Rating™
Features
Owner Occupied
40% min deposit
P&I
Extra repayments

special

$700 of establishment costs waived
Australian Credit Licence 241413
Interest Rate
Comparison Rate*
Repayment

5.84%

p.a

Variable

5.86%

p.a

$2,221

monthly

Go to site
Australian Credit Licence 241413
Compare
Company
Product
Variable Home Loan - Classic
Real Time Rating™
Features
Owner Occupied
30% min deposit
P&I
Extra repayments

special

$700 of establishment costs waived
Australian Credit Licence 241413
Interest Rate
Comparison Rate*
Repayment

5.89%

p.a

Variable

5.91%

p.a

$2,232

monthly

Go to site
Australian Credit Licence 241413
Compare
Company
Product
Variable Home Loan - Classic
Real Time Rating™
Features
Owner Occupied
20% min deposit
P&I
Extra repayments

special

$700 of establishment costs waived
Australian Credit Licence 241413
Interest Rate
Comparison Rate*
Repayment

5.99%

p.a

Variable

6.01%

p.a

$2,253

monthly

Go to site
Australian Credit Licence 241413

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.84%

Total interest payable

$0

Total loan repayments

$0

QBANK customer service

QPCU has three branches in Brisbane. Members can also call the service centre five days a week for personal service. You can also access your accounts via a national network of  ATMs, a mobile banking app, internet banking and telephone banking facilities 24/7, as well as Bank@Post. You can also receive SMS alerts when banking and make SMS and email inquiries. Customer service centre (phone) Mobile app Online banking Email Brisbane branches

How to Apply

You can apply online, or through the call centre or go into a branch to become a member of QPCU. The credit union is targeted at people who ‘service and protect Queensland’ including Queensland police, Queensland Fire and Emergency Services employees, Queensland ambulance officers, Queensland Corrective Services employees, Australian Federal Police, Queensland Police Union employees, as well as Queensland Police Credit Union employees. Documents you will need to apply for a home loan include:

  • Personal identification materials.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental income.
  • Information regarding your current debts, liabilities and assets.

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