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Qantas Money Home Loans

Following the RBA's decision to reduce the official cash rate, we're lowering our variable home loan rates by 0.25% p.a. on 7th March 2025 for new and existing customers.

QMHL Mass Offer (mum and child) - mobile

Unlock up to 200,000 Qantas Points in your first year^#

Plus 100K

Qantas Points every year after⁺

Variable

Owner occupied · Principal & interest

6.13

%

p.a

Interest rate^*

6.19

%

p.a

Comparison rate ^{^}

Limited time offer: Apply for a home loan of $400,000 or more before 10 May 2025, and settle before 10 November 2025 to be eligible for the bonus points offer.

See how many Qantas Points you could earn based on the size of your home loan:

Borrow	Earn in your first year	Earn every year after
$1,000,000+	200,000 Qantas Points^#	100,000 Qantas Points⁺
$750,000 - $999,999	175,000 Qantas Points^#	100,000 Qantas Points⁺
$400,000 - $749,999	150,000 Qantas Points^#	100,000 Qantas Points⁺

Don't miss out! Take off on your next escape with the home loan that rewards you with a holiday every year.

Where could your Qantas Points take you?

Who is travelling?

SingleCoupleFamily

economy

Melbourne to Hong Kong

Return flight for one

50,400

PTS

$276 in taxes and carrier charges
Conditions apply ^±

economy

Sydney to Tokyo

Return flight for one

63,000

PTS

$292 in taxes and carrier charges
Conditions apply ^±

economy

Sydney to Singapore

Return flight for one

50,400

PTS

$321 in taxes and carrier charges
Conditions apply ^±

Get a more rewarding home loan and earn 100,000 points every year

Qantas 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.

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)

1300 992 700

Call: 1300 992 700

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.

# Offer commences 20 February 2025. To qualify for “up to 200,000” Qantas Points, Qantas Frequent Flyers must submit their Qantas Money Home Loan by 9 May 2025, 11:59pm (AEST) and settle by 9 November 2025, 11:59pm (AEDT). “Up to 200,000 Qantas Points in the first year” offer for new home loans valued $400,000 or more to properties not already mortgaged with Qantas Money Home Loans. Members will earn Qantas Points for each new property for up to one owner occupied property and five investment properties in total for this offer. Allocation of 100,000 Qantas Points will be credited to the primary member’s Qantas Frequent Flyer account within 8 weeks of settlement of their Qantas Money Home Loan, 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. The additional Qantas Points allocation is as follows: (1) 50,000 Qantas Points for loans $400,000 - $749,999 OR (2) 75,000 Qantas Points for loans $750,000 - $999,999 OR (3) 100,000 Qantas Points for loans $1,000,000+.These points will be credited to the primary member’s Qantas Frequent Flyer account within 8 weeks of settlement of their Qantas Money Home Loan, provided the loan meets the offer criteria. For joint applicants, the Qantas Points by default will be awarded to the primary applicant unless they opt to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant. This offer is not available in conjunction with any other offer unless specified. Offer may be extended or withdrawn at any time.

+ 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 you opt to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.

* 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.

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 25 June 2024 and are subject to change. These are quoted at the time of booking and are subject to change. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

** A joining fee usually applies, however, Qantas Money Home Loan customers may have the fee waived when they join here. You must provide the Qantas Frequent Flyer details of each applicant upon application. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

^^ 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.

^π Pre-approved loan amount is based on the information available at time of assessing in addition to product interest rate and bank credit policy at time of application. If your circumstances change during the application process, or our interest rates increase or the property value is less than anticipated or is an unacceptable security to the bank, we may offer a reduced loan amount or may not be in a position to continue with this loan. Before we can finalise a full approval, we'll also need the signed Contract of Sale to complete some final checks and obtain a formal valuation to confirm the property value. Your Pre-approval is valid for 60 days. We’ll only be able to renew it once for an additional 60 days and updated financial information may be required for a Pre-approval extension. If your Pre-approval has expired, you’ll need to start a new application. There are risks associated with relying on a Pre-approval when bidding at auction and/or entering into a contract of sale particularly when it is not a cash unconditional contract. We recommend you seek legal advice and financial advice before entering into any legally binding contracts or agreements.