The home loan that comes with a holiday every year
Qantas Points every year+
Variable
Owner occupied · Principal & interest
Why come on board with a Qantas Money Home Loan?
100,000 points every year
Enjoy 100,000 Qantas Points every year for the life of your home loan for up to 6 properties+†
Competitive rates
Streamlined process means streamlined costs. Get great rates*, with Qantas Points benefits
Easy application process
Apply online to get an answer in minutes
Help when you need it
Our home loan experts are here to help with your application 7 days a week
Let's find your home loan
Where could 100,000 Qantas Points take you?
Who is travelling?
Melbourne to Hong Kong
Return flight for one
$295 in taxes and carrier charges
Conditions apply ±
Sydney to Tokyo
Return flight for one
$309 in taxes and carrier charges
Conditions apply ±
Sydney to Singapore
Return flight for one
$325 in taxes and carrier charges
Conditions apply ±
Navigate your journey with a Qantas Money Home Loan
I’m looking for a property
Get pre-approved and search for your new property with more confidence.π
I’ve found a new property
Apply for a Qantas Money Home Loan today to get an answer in minutes.
I’d like to refinance my property
Make the switch to a more rewarding Home Loan today.
I’m exploring home loan options
Discover all of the benefits of a Qantas Money Home Loan.
Check your approval in
3 easy steps
Apply online and receive an answer in just minutes. Need help with your application? Our home loan experts are standing by, ready to help.
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Get ready. Have all your information at hand, including things like your driver licence, income and expenses.
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Apply online. As you complete the application, we’ll confirm your details in real time. We’ll value your property (unless you’ve applied for Pre-approval), verify your personal details, run a credit check as well as validate your income and expenses. Our home loan experts are available if you need help.
If there is something we can’t do digitally or we need to review your application in more detail, it will be sent to our home loans team to review. -
Sign and save. If fully approved, your loan documents will be auto-generated and emailed to you, in most cases, within minutes. Then all you need to do is review, sign and return.
If you’ve been pre-approved and have found a property you’d like to make an offer on, you’ll be able to log back in and add the property address details for us to assess. We’ll complete a valuation to make sure we can lend against the property. Your application will progress towards full approval once you upload your purchase contract.
What you need to apply for a Qantas Money Home Loan
- Be a Qantas Frequent Flyer Member. If the loan is shared among two people, you’ll both need to be (or intend to be) Qantas Frequent Flyer members. Not a member? Sign up here and save $99.50**
- Buy or refinance an established property (not off the plan or construction)
- You could borrow from $300K anywhere up to $3M:
- keep in mind that for loans under $2M you’ll need at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty.
- for loans more than $2M, you’ll need at least a 25% deposit or equity, plus savings to cover fees and charges such as stamp duty. Funds in this instance can’t be used for an equity release or ‘cash out’ (refinance)
- If you're applying alone, you must be currently employed, either through PAYG or self-employment
- Be able to provide at least one form of government ID, such as a passport, driver licence or Medicare card; and
- Be an Australian citizen or permanent resident, and live in Australia.
Self-employed?
You have home loan options
We celebrate all business owners who take on the challenge of working for themselves. That’s why a Qantas Money Home Loan offers more flexibility, at a competitive price. We also offer digital financial validation for eligible self-employed applicants, to help you save time.
Suitable for self-employed customers with:
- A good credit history
- Trading for minimum 1 year and ABN registered for at least 1 year
- GST registered if gross revenue > $75,000
- A year's worth of up-to-date tax returns and/or business financial statements
Check out our self-employed FAQ's here.
Get a more rewarding home loan and earn 100,000 points every year
Frequently asked questions
There are lots of great reasons to choose a Qantas Money Home Loan. Competitive rates, a fast, secure online application process, plus support from real people. Not to mention it’s the only home loan that comes with a holiday every year - 100,000 Qantas Points annually, for the life of your loan.
Qantas Money doesn’t act as either a bank or a mortgage broker. Instead, we’ve partnered with Bendigo and Adelaide Bank to deliver our home loan products…
The time it takes us to assess your application can change depending on how many applications we’re currently receiving and the complexity of your application. However, with our online application process being streamlined to the basics, you can receive an answer in minutes if we have all the documentation required...
Pre-approval is a full assessment of your personal details and finances (including a credit check) - before you’ve found a property to purchase.
Pre-approval provides you with a pre-approved borrowing amount, based on your current circumstances, so you can search for a new property with more confidence.
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)
Application enquiries
Frequently asked questionsQantas 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.
