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Qantas Money Home Loans

Following the RBA's official cash rate decision on 20 May, we're lowering variable home loan rates for our new and existing customers by 0.25%, effective 6 June 2025.

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Things you need to know before you start

It should only take around 30 minutes to apply

To apply for Qantas Money Home Loan Pre-approval you need to be a Qantas Frequent Flyer member. Not a member? Join free here. Already a member and have forgotten your membership number? Please call the Qantas Frequent Flyer Service Centre on 13 11 31.
When applying for Pre-approval, you’ll need to provide information including your income, your expenses, and your ID.
You’ll need to provide details on how much you are willing to spend on a property and how much you would like to borrow. If you’re unsure, you can go back to our Borrowing Power Calculator to get an estimate to help guide you for your application. You can also ask one of our home loans experts to help you understand your borrowing power after submitting your application.
You’ll also need to provide a postcode of the preferred area you are looking to buy in. This can be updated at a later stage if you choose a different location during your property search.
Pre-approval will last for 60 days. You will have the option of renewing your Pre-approval for an additional 60 days before it expires.^π After this you can always reapply once you’re closer to finding your home.
If you’re pre-approved for a Qantas Money Home Loan, simply log back in to update your application once you have found a property you’d like to make a bid or offer on. At this point we’ll assess it - which will include a valuation - to make sure we can lend against the property.
If any of your personal or financial information changes, you will need to update it in the portal.

Start application

Need any help?

Our Home Loan experts are happy to help with your application 7 days a week.

New customers, Monday to Friday: 8:00am to 6:30pm. Weekends: 9:00am to 5:00pm (AEST)

Existing customers, Monday to Friday: 8:30am to 8:30pm. Weekends: 9:30am to 4:30pm (AEST)

1300 992 700

Call: 1300 992 700

Qantas Money is proud to have partnered with Bendigo and Adelaide Bank, one of Australia's most trusted banks to offer you a range of great home loan options, with 24/7 secure access to manage your home loan.

Important Information

Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. This product is only available to Australian residents who are Qantas Frequent Flyer members. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. Please refer to qantas.com/terms for a copy.

* All lending interest rates are for new loans only and may differ for existing loans. Rates are subject to change. Fees and charges may be applicable and can be found on the Rates & Fees page online.

^ Important information about comparison rates: the comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: the comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. All interest rates are subject to change without notice. Fees and charges can be found on the Rates and Fees page.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.

† Limits apply. A member may only take out a loan and earn Qantas Points for a maximum of one owner occupied property and five investment properties (at a time).

Ω The results are a guide only. They are not a quote, credit approval or offer of credit. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The offset account is not available for all loan products. There are restrictions and/or certain fees payable for additional payments for some products e.g. during the fixed term of a loan. The results assume regularly scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include lenders mortgage insurance if applicable.

++ Offset Accounts are only available on the Qantas Money Offset Home Loan for both fixed and variable products. Offset Accounts must be linked to an eligible Home Loan account and can only be linked to one eligible Home Loan account at any one time. Up to 6 offset accounts are available per Offset Home Loan. Linked offset account/s must be in the same customer name/s as the loan account. How to set up the offset accounts may change from time to time, and will be advised during the application process. This is general advice only. Consider the Offset Account Terms and Conditions and TMD and your personal circumstances before you take out this product. Complaints about the home loan or offset account should be made to Bendigo and Adelaide Bank Limited (the credit provider and provider of the offset account) by emailing myloan@homeloans.qantasmoney.com

~ A $15/month service fee applies to the Qantas Money Offset Home Loan. There is no ongoing monthly service fee for the Qantas Money Basic Home Loan. Other fees may apply.

± Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable by an Accepted Payment Card in addition to the points required. Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are per person, for economy flights (unless otherwise stated) and accurate as at 8 April 2025 and are subject to change. These are quoted at the time of booking and are subject to change. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

^π Pre-approved loan amount is based on the information available at time of assessing in addition to product interest rate and bank credit policy at time of application. If your circumstances change during the application process, or our interest rates increase or the property value is less than anticipated or is an unacceptable security to the bank, we may offer a reduced loan amount or may not be in a position to continue with this loan. Before we can finalise a full approval, we'll also need the signed Contract of Sale to complete some final checks and obtain a formal valuation to confirm the property value. Your Pre-approval is valid for 60 days. We’ll only be able to renew it once for an additional 60 days and updated financial information may be required for a Pre-approval extension. If your Pre-approval has expired, you’ll need to start a new application. There are risks associated with relying on a Pre-approval when bidding at auction and/or entering into a contract of sale particularly when it is not a cash unconditional contract. We recommend you seek legal advice and financial advice before entering into any legally binding contracts or agreements.