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 5.64%

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Qantas Money offers a range of home loans for both owner-occupiers and investors. Take a look at its home loans in the table below or learn more about this lender.

Compare Qantas Money loans for December 2024

Hit the "Load more" button to compare a bigger selection of products and hit the green button to go to Qantas Money's website to start an enquiry or learn more about the loan.

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Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.64%
Comp. Rate p.a.6.10%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.64%
Comparison Rate
6.10%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$2,887
Qantas Money logo
Principal & Interest10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest10% min. depositOwner-occupier
Product NameQantas Money Variable Home Loan
Interest Rate Typevariable
Repayment Type Principal & Interest
Interest Rate p.a.6.13%
Comp. Rate p.a.6.19%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.13%
Comparison Rate
6.19%
Fees
Application: $345
Ongoing: $0 per month
Monthly Payment
$3,043
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositInvestment
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositInvestment
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.38%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.19%
Comparison Rate
6.38%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$3,063
Qantas Money logo
Principal & Interest10% min. depositInvestment
Qantas Money logo
Principal & Interest10% min. depositInvestment
Product NameQantas Money Variable Home Loan
Interest Rate Typevariable
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.41%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.34%
Comparison Rate
6.41%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$3,111
Qantas Money logo
Principal & Interest 1Y Fixed10% min. depositOwner-occupier
Qantas Money logo
Principal & Interest 1Y Fixed10% min. depositOwner-occupier
Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.6.18%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.94%
Comparison Rate
6.18%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$2,982
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Qantas Money key facts

  • Qantas Money home loans come with 100,000 Qantas Points every year for the life of the loan.
  • 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.

Review by our senior home loans writer Richard Whitten

Qantas Money home loan key features

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

FeatureDetails
Minimum deposit90% 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 accountYou have the option of having a 100% offset account attached to your home loan for a fee of $10 a month.
Repayment optionsYou can choose a home loan where you pay off the principal and interest or up to 5 years interest only.
Rate matchQantas Money offers variable and fixed interest rate loans.

How do I apply for a Qantas Money home loan?

To apply for a Qantas Money home loan, visit the Qantas Money 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 Money 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.

Eligibility

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 Frequent Flyer program.

Documents required

When you apply for a home loan with Qantas Money you may need 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:

📄 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).

How to apply for a home loan

Compare other products from Qantas Money

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 Finder Score breakdown

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Written by

Senior writer

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. See full bio

Rebecca's expertise
Rebecca has written 200 Finder guides across topics including:
  • Home loans
  • Cost of living
  • Budgeting
More resources on Finder

More guides on Finder

  • Qantas Money Variable Home Loan

    Offering a solution that ‘comes with a holiday each year’ Qantas has ventured into the home loan space. Borrowers can not only get a competitive interest rate, but 100,000 Qantas Points each year of their home loan.

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