Qantas Money Home Loans

Qantas Money offers a range of home loans for both owner-occupiers and investors.
You need at least a 10% deposit with Lender's Mortgage Insurance.
Home loans can be fixed or variable for both owner-occupiers and investors.
The loan is serviced through Bendigo Bank. Some transactions, like cash redraw, can be done in a Bendigo Bank branch.

Compare Qantas Money loans for November 2026

5 of 289 results

Finder Score	Interest Rate p.a.	Comparison Rate p.a.	Fees	Features	Monthly Payment
Finder score 9.7 Excellent Qantas Money Variable Offset Home Loan	Finder score 9.7 Excellent	Interest Rate 6.39%	Comparison Rate 6.62%	Fees Application: $495 Ongoing: $0 p.a.	Principal & Interest50% min. equityInvestmentOffset account	Monthly Payment $3,128 per month	View details Compare product selectionCompare	loading
Finder score 9.7 Excellent Qantas Money Variable Offset Home Loan	Finder score 9.7 Excellent	Interest Rate 6.54%	Comparison Rate 6.66%	Fees Application: $495 Ongoing: $0 p.a.	Interest only50% min. equityInvestmentOffset account	Monthly Payment $3,177 per month	View details Compare product selectionCompare	loading
Finder score 9.6 Excellent Qantas Money Variable Offset Home Loan	Finder score 9.6 Excellent	Interest Rate 6.59%	Comparison Rate 6.71%	Fees Application: $495 Ongoing: $0 p.a.	Interest only40% min. equityInvestmentOffset account	Monthly Payment $3,193 per month	View details Compare product selectionCompare	loading
Finder score 9.6 Excellent Qantas Money Variable Offset Home Loan	Finder score 9.6 Excellent	Interest Rate 6.49%	Comparison Rate 6.72%	Fees Application: $495 Ongoing: $0 p.a.	Principal & Interest30% min. equityInvestmentOffset account	Monthly Payment $3,160 per month	View details Compare product selectionCompare	loading
Finder score 9.6 Excellent Qantas Money Atlas Variable Home Loan	Finder score 9.6 Excellent	Interest Rate 6.57%	Comparison Rate 6.83%	Fees Application: $345 Ongoing: $349 p.a.	Interest only20% min. equityInvestmentOffset account	Monthly Payment $3,187 per month	View details Compare product selectionCompare	loading

Showing 5 of 289 results

Congratulations, Qantas Money!

Qantas Money was a big winner in the 2026 Finder Awards.

Highly Commended, Best Owner Occupier 1 year Fixed Home Loan: Qantas Money Fixed Offset Home Loan - 1 Year Fixed (Owner Occupier, P&I)
Highly Commended, Best Investor P&I 1 Year Fixed Home Loan: Qantas Money Fixed Offset Home Loan - 1 Year Fixed (Investor, P&I)
Highly Commended, Best Investor P&I 1 Year Fixed Home Loan: Qantas Money Fixed Basic Home Loan - 1 Year Fixed (Investor, P&I)
Highly Commended, Best Investor IO 1 Year Fixed Home Loan: Qantas Money Fixed Offset Home Loan - 1 Year Fixed (Investor, IO)

Full list of 2026 home loans winners

Qantas Money home loan key features

Here are the key features and details you need to know about Qantas Money's mortgage products.

Feature	Details
Minimum deposit	10% for borrowers taking out Lender's Mortgage Insurance. Without LMI, and for homes with a value of up to $2m, you need at least a 20% deposit; for homes with a value of more than $2m, you need at least a 25% deposit.
Offset account	You have the option of having a 100% offset account attached to your home loan for a fee of $15 a month.
Repayment options	You can choose a home loan where you pay off the principal and interest or up to 5 years interest only.
Rate match	Qantas Money offers variable and fixed interest rate loans.

How do I apply for a mortgage from ?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

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.

Documents required

When you apply for a mortgage with you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, 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).

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Looking for more mortgage options?

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Compare other products from Qantas Money

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Qantas Money Home Loans information page
2. Qantas Money Home Loans TMD

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

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Written by

Rebecca Pike

Editor, Money

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Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise

Rebecca has written 253 Finder guides across topics including:

Home loans
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Qantas Money Home Loans

Compare home loan rates, fees and features from Qantas Money. Earn points with your mortgage and get a rate as low as 6.27%

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