QBank have some great policies and niches. We summarise why they stand out as follows. QBank lend to QLD Essential Services (Police, Fire, Health, Ambulance and Corrective Services). All Government Employees ( State and Local). All QLD universities except Bond. Government owned bodies eg Energex, QLD Rail. Clients working in the health industry Private and Public or previous employment in any of the above fields.

Employment criteria is flexible and includes casual, probation – work contract + 1st payslip, casual teachers (annualised over 48 weeks). Essential workers overtime is also assessed. 100% of overtime can be used for Emergency Services, Doctors, Nurses, Medical and healthcare professionals, 2 payslips which show overtime being earnt. QBANK use 100% of all earnings and allowances for all emergency service workers. Salary Packaging ( Rent, Mortgage, Living Expenses ) – can be added back as gross non-taxable income.

QBank offer a First Home Buyer - First Responder Exclusive Offer. This is available to Queensland Police Service (QPS), Queensland Fire and Emergency Services (QFES), Queensland Ambulance Service (QAS), Queensland Corrective Services (QCS) and Queensland Health Employees only. Offer includes 95% + Mortgage Insurance (capped at 100%)