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Fixed Rate Home Loans

Our Fixed Rate Home Loan is a great way to safeguard you against interest rate rises.

Plus unlike the banks, we’ll save you a bundle on fees!*

The rates below are for owner occupier only. Please click here to view the interest rates for Investment Home Loans.

Apply for a Fixed Rate Home Loan

Our Fixed Rate Home Loan offers you a great deal with:
  • $0 account keeping fees, $0 application fee, $0 annual fee, $0 monthly fees
  • Extra repayments up to $10,000 a year
  • Borrow up to 95% of the property value (with mortgage insurance)
  • $100 free monthly transaction allowance to use at ATMs, and EFTPOS etc.^

With rates for 1, 2, 4, and 5 year terms also available.

Now is the time to switch!


3 year rate:
 4.24% pa

Comparison rate:
 4.42% pa#

Apply now

Current interest rates
Loan Type Interest Rate Amount Term

Comparison Rate#

1 year  4.24% pa $150,000 25 years  4.47% pa
2 years  4.24% pa $150,000 25 years  4.44% pa
3 years  4.24% pa $150,000 25 years  4.42% pa
4 years  4.49% pa $150,000 25 years  4.49% pa
5 years  4.49% pa $150,000 25 years  4.49% pa

Rates current as at 1 February 2016

We beat the banks!

See our weekly report which shows you how our fixed rate loan compare to the banks.

  Compare us today
Institution Product 3 year interest rate 3 year comparison rate#
Qantas Credit Union $150,000 Fixed Rate Loan  4.24% pa  4.42% pa
NAB $150,000 Fixed Rate Loan 4.69% pa 5.32% pa
ANZ $150,000 Fixed Rate Loan 4.69% pa 5.19% pa
CBA $150,000 Fixed Rate Loan 4.69% pa 5.42% pa
Westpac $150,000 Fixed Rate Loan 4.69% pa 5.29% pa

Source of competitor rates:
Rates current as at 1 February 2016


Use our calculator to see what your fixed rate home loan repayments will be.

Find out more about our Home Loans
Apply now

Both Members and non-Members can apply for a fixed rate home loan using the below online form.

Apply for a Fixed Rate Home Loan

^ $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

Loans are subject to approval. Normal lending criteria and fees and charges apply. ^ Available for all new owner occupier home loans over $150,000. Excludes switching and variations. Terms and conditions apply and are available upon request. Rates current as at time of publishing, subject to change. Fixed rate may change prior to funding.*On the expiration of the fixed rate period, the interest rate reverts to the variable rate Low Cost Home Loan Package tier for a loan amount of $250,000. #WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A loan of $150,000 monthly repayment frequency and a term of 25 years have been used to calculate our comparison rates. Qudos Mutual Limited trading as Qantas Credit Union ABN 53 087 650 557 AFSL/Australian Credit License 238 305.