Make sure your first home loan 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 5 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
Frequently asked questions
At Qantas Money Home Loans, our minimum deposit is 10% in most cases. Loans above $2m require a minimum 25% deposit. It’s important to keep in mind that if you do have less than a 20% deposit of the property's value (30% for high-density securities), you'll also need to pay Lenders' Mortgage Insurance (LMI). This is insurance that covers the lender if you default on your loan repayments.
In addition to your deposit, there are a number of other upfront expenses you will have to save for when buying your home, like stamp duty and conveyancing fees. You'll need to make sure you budget these amounts into your savings plan.
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 in Australia: Equifax and Illion.
Get a more rewarding home loan and earn 100,000 points every year
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)
Our experts will be offline on Friday 25 April for new customers.
Existing customers, Monday to Friday: 8:30am to 8:30pm. Weekends: 9:30am to 4:30pm (AEST)
Our experts will be online on Friday 25 April for existing customers.
Application enquiries
Frequently asked questionsImportant 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. 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.
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.
^^ This rate is used for the purposes of calculating the comparison rate; the actual roll to rate applicable at the end of the fixed period will reflect variable interest rates at that time.