Fixed rate home loans that come with a holiday every year
Fixed 3 years
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.
Choose from our Fixed Home Loan products
Key benefits of a fixed home loan
Our fixed home loan has a fixed interest rate and set repayments that won't change during the fixed term so you can lock in a great rate that won't change, regardless of any future RBA rate rises during the fixed rate period.
100% offset accounts available for $10/month++
Unlike many lenders, we offer an offset facility across all our home loans including our fixed rate loans - giving you more flexibility to manage your loan, your way.
Repay faster and save on interest
Our fixed rate home loans let you pay up to $20,000 a year in additional loan repayments.
A redraw facility
Get the benefit of reducing the interest you pay - but still have full access to your money if you need it.
Frequently asked questions
A fixed rate home loan is one where the interest rate is locked in for a certain period (usually 1-5 years). At the end of this period you can either commit to another fixed rate or revert to a variable interest rate.
This will depend on your personal situation and preferences. If you prefer the security of knowing exactly how much your repayments will be every month, then a fixed rate home loan locked in for a set period may be better for you.
An offset account is similar to a savings account that is linked to your home loan and offsets the balance of your home loan. This means you will pay interest on the home loan balance minus the amount in your offset account.
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)
Existing customers, Monday to Friday: 8:30am to 8:30pm. Weekends: 9:30am to 4:30pm (AEST)
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. 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.
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.
# Property purchase or refinance applications submitted between 16 October 2024 and 2 December 2024, 11:59pm (AEDT) and settled by 31 March 2025, 11:59pm (AEDT), secured with new lending of $500,000 and above, will receive a A$1000 Qantas Hotels and Holidays voucher. Property purchase loan applications (only) submitted between 29 August 2024 and 15 October 2024, 11:59pm (AEDT) and settled by 31 March 2025, 11:59pm (AEDT), secured with new lending of $500,000 and above, will also receive a A$1000 Qantas Hotels and Holidays voucher. Qantas may withdraw or extend these offers at any time. These offers are only valid for new lending of $500,000 and above secured by property not already held by Qantas Money Home Loans only. Members will earn a A$1000 Qantas Hotels and Holidays voucher for each property for a maximum of up to one owner occupied property and five investment properties in total for this offer. This offer is not available in conjunction with any other offer unless specified. Voucher expires on 11:59pm (AEDT) 31 March 2026. Voucher is single use only and cannot be combined or used in conjunction with any other offer. Voucher redemption is subject to the Qantas Frequent Flyer Terms and Conditions and is only for the recipient of this email and is not transferable or redeemable for cash. Any unused balance of the voucher will be forfeited and is not redeemable for cash. Qantas Points will not be available upon redemption of the voucher. Eligible participants will be sent their A$1000 Qantas Hotels and Holidays voucher within 8 weeks of meeting the settlement criteria, to the email address maintained with your Qantas Frequent Flyer account.