All Categories ​>​ ​Frequently asked questions ​ > ​ ​Applying for a home loan

What happens after I have applied?

After you’ve applied, you will receive an answer straight away: ‘yes’, ‘no’ or ‘we need more time’. If it’s a ‘yes’. You have received full approval. All that remains is for you to sign the documents…

How do I submit a joint application?

You can use our standard application process, then simply follow the prompts for a joint application. There are a few points to consider when making a joint application: You both need to be Australia…

How does the application process work?

With our easy online application process, you can apply anywhere and on any device. It’s quick too, as long as you have all the information on hand, your application will only take about 30 minutes t…

I am not an Australian resident, can I still apply for a Qantas Money Home Loan?

Unfortunately, no. As is the case with most home loan lenders in Australia, you must be an Australian citizen or a permanent resident living in Australia to be eligible for a Qantas Money Home Loan.…

Can I apply for any type of Qantas Money Home Loan online?

Yes - all of our loans are available online only - which is how we keep our rates and fees low. Our technology allows you to apply for a home loan wherever you want, whenever you want. We perform the…

How does full approval with Qantas Money work?

To give our full approval for a property, we need to confirm its value by one of the following methods: Use an automated valuation model (AVM) : For many properties, we can conduct a satisfactory val…

What is a Foreign Tax Form and why would I need one?

A foreign tax form is required to be completed for tax purposes when a new or existing customer applies for a reportable account and declares as a foreign tax resident, or when the Bank or a related…

How can I check the status of my application?

Once you apply for a Qantas Money Home Loan, you will receive login credentials. This will allow you to log in and manage your account online. You can also check on the status of your loan applicatio…

How does Qantas Money assess the value of my property?

There are three ways that we can value your property: Automated Valuation Model (AVM), desktop valuation, and full valuation. An AVM occurs instantly during your application. However, if a more detai…

Will I always get your published interest rate?

No - when you take out a Qantas Money Home Loan, we’ve locked in a ‘price’ with our funder (Bendigo and Adelaide Bank) for that loan, which is reflected in your interest rate. When we have a new vari…

How does making an application affect my credit score?

Once you get to the personal details section of our application and agree with our Privacy Policy and Credit Guide, our platform will trigger a credit check from the two main credit reporting bodies…

How long does it take for a home loan to be approved?

Because our application process is entirely online, you may be approved instantly. Our online process is designed to make the process more efficient and easier to understand. Keep in mind though, tha…

Does Qantas Money offer pre-approval?

No, we do not offer pre-approval or conditional approval for home loans at Qantas Money. We need to know the property you are applying for, in order to give you full approval. Unless we require a pur…

Where can I get help to complete my application?

While we’ve tried to make the application process as easy as possible, we understand that you still may have some questions regarding things like: Eligibility - whether you qualify for a loan. Credit…

What documentation will I need to provide?

Before you sit down to apply for a Qantas Money Home Loan, you’ll need to have your documentation prepared. This includes: Identification. We need to digitally verify a form of your ID such as your d…

How does Qantas Money assess my household expenditure?

During your application, we will ask you questions about how much you think your monthly expenses are. If you’re applying with someone else, you will each need to enter your portion of monthly househ…
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