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Mortgage & Finance Association of Australia

Financial Hardship

Quick Direct has specific hardship provisions in place for its customers.

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Our Home Loan and Mortgage Products

We are determined to provide Australians with simple home loan products that don’t require weeks of research to understand and compare. The simplifying of our products also means you don’t need a broker or adviser to wade through all of the alternatives and compare to get the best product and rate to suit your needs.

You will find in the products below that we only include the features you want such as the ability to make early repayments, free redraw and easy access to your account information. We won’t ever complicate the process.

 
 
 

 

 
Loans Details
Interest Rate
Comparison Rate*
No application, valuation or settlement fee
No ongoing monthly fees
% deposit / equity required
Can I make additional repayments?
Is free redraw available?
Does it have an offset account?
Loan term
Can I fix this loan?
Is interest only available?
Can I choose how often I make repayments (i.e. fortnightly / monthly)?
Can I Direct Salary Credit?
Internet / Phone banking / BPay
Can I split my loan

Standard Products

 

 

Equity Saver & Options Plus Products

 

 
QuickDirect
Basic Variable Home Loan		 QuickDirect Standard Variable Home Loan QuickDirect Standard Fixed Home Loan QuickDirect Basic Variable (Construction) Home Loan QuickDirect Options Plus
Home Loan		 Equity Saver
Professional
Pack		 Equity Saver Premium Home Loan Equity Saver
Premium
Interest Only
Home Loan
6.48% 6.48%
6.04%pa: 1 yr
6.06%pa: 2 yrs
6.08%pa: 3 yrs
6.96%pa: 4 yrs
7.02%pa: 5 yrs
 		6.73% 6.48% 6.48% 6.48% 6.48%
6.48% 6.48%
6.56%pa: 1 yr
6.95%pa: 2 yrs
6.93%pa: 3 yrs
7.27%pa: 4 yrs
7.25%pa: 5 yrs
 6.73% 6.48% 6.48% 6.48% 6.48%
$295 final valuation fee
$375 annual fee
$375 annual fee
10% 10% for purchases
15% (Equity) for refinances		 10% for purchases
15% (Equity) for refinances		 10% 10% (no genuine savings may be required) 20% (max LVR 80%) 20% (max LVR 80%) 20% (max LVR 80%)
No
After fixed rate period expires After construction period
No No No No
10 to 30
years		 10 to 30
years		 25 or 30
years		 10 to 30
years		 10 to 30
years		 10 to 30
years		 10 to 30
years		 10 to 30
years
No
No No No No
Up to 10 years Up to 5 years Up to 5 years During construction period Up to 10 years No Yes via a Variation Up to 10 years
Yes into
offset
account
Yes into
offset
account		 Yes into
offset
account
 
 

Click here for QuickDirect's detailed comparison rate schedule for Standard Products.

Click here for QuickDirect's detailed comparison rate schedule for Options Plus Products.

Click here for QuickDirect's detailed comparison rate schedule for Equity Saver Products.

* This comparison rate is for a loan of $150,000 over 25 years. This comparison rate applies only to 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 may influence the cost of the loan. For full details of our fees, click on the appropriate link for Standard Product Fees or Equity Saver & Options Plus Fees.

Rates advertised on the site are valid for all new applications only.

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