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Qantas Money Home Loan

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Things you need to know before you start

It should only take around 30 minutes to apply

To apply for a Qantas Money Home Loan 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.
You need to have at least a 10% deposit plus enough to cover other associated costs, such as a transfer fee, mortgage registration and application fee, legal fees, and other costs. If your deposit is less than 20%, you’ll be required to take out Lenders Mortgage Insurance.
Borrowing more than $2 million? You need a 25% deposit - and we won't be able to do a 'cash out' or equity release refinance.
Your property will need to be located in a capital city or major regional centre. We don’t loan for land, off the plan purchases or for homes under 40m²
We don't offer home loans for trusts or companies; or for more than two people.
We are also unable to consolidate debt at the present time.

Once you have filled in your details, we'll run a credit check. In most cases, you'll have your answer immediately.

Find out if you're eligible for a home loan here

Start application

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.

^ The comparison rate displayed is calculated for a Qantas Money Home Loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Qantas Frequent Flyer members will also earn an annual bonus of 100,000 Qantas Points which accrues three months after the settlement anniversary of their Qantas Money Home Loan up to 30 years, 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. In the instance of joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless you opt to either split the points between the secondary or primary applicant or award the points in full to the secondary applicant. Qantas Points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks.

† 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 facility can only be linked to one loan at any one time. Linked offset facility must be in same customer name/number. This is general advice only. Consider Offset Account Product Guide 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

~ Optional Offset account available at $10/mth. 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 22 February 2024 and are subject to change. These are quoted at the time of booking and are subject to change. See Classic Flight Rewards for more details.