Qantas Money Fixed Home Loan

Borrowers can now earn a holiday each year by paying off their home loan; Qantas’ new home loan offers 100,000 Qantas Points every year, for the life of the loan.

If you’re going to be paying off a home loan, why not get rewarded for it with Qantas Points?

This loan has fixed interest rates for owner-occupiers and investors.

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Review by

Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products.

Expert review

This loan offers similar options to the Qantas Money Variable home loan, including the ability to earn 100,000 Qantas Points every year, for the life of the loan. But this is a fixed rate loan, which means your rate will be higher (in the current interest rate environment).

The ability to add an offset account for a small fee is less common on fixed rate loans, making this an attractive feature. Aside from that, there are no other ongoing fees to worry about, but the application fee is quite high at $495.

About this loan

What are the features and benefits of the Qantas Money home loan?

  • Fixed rate. This loan offers fixed interest rates.
  • Loan purpose.The Qantas Money home loan is for investors and owner-occupiers.
  • Loan to value ratio. You can borrow up to 90% of your property's value for new loans or 90% for refinances.
  • Loan amount.With this loan, you can borrow up to $3,000,000, with a minimum loan size of $300,000.
  • Extra repayments.This loan allows you to make additional repayments up to $20,000.
  • Offset account.You have the option of attaching an offset account to your home loan, but at a cost of $10 per month.
  • Qantas Points Every year, for the life of the loan you will get 100,000 Qantas Points.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to connect with Qantas and start an application.

To apply for a Qantas Money home loan, visit the Qantas website where you can apply online. The process includes digital verification of identity and settlement processes for most applications.

Make sure you have the relevant documents, as below, to complete your application. The application can be completed in minutes and Qantas will confirm borrower details in real time.

For any problems you can use the system's WebChat during the application, as well as 7-day customer support.

Here are some documents that may be required:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).


When applying for a Qantas Money home loan, a borrower should generally meet the following criteria:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.
  • Qantas Membership. You must be or intend to become a member of the Qantas Points program.

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    Default Gravatar
    February 12, 2023

    Interested to refinance mortgage – can i still avail 100k Qantas points?

      February 20, 2023

      Hi Shienna,

      Yes this is still available. Contact Qantas Money directly for more information.

      Kind regards,

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