Things you need to know before you start
It should only take around 30 minutes to apply
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Who is eligible for this loan?
To be eligible for a Qantas Money Atlas Home Loan:
- You need to be an Australian citizen or valid visa holder.
- You need to be a Qantas Frequent Flyer member. Not a member? Join for free. Already a member and have forgotten your membership number? Please call the Qantas Frequent Flyer Service Centre on 13 11 31.
- Currently you need to have at least a 20% deposit and be refinancing an existing property. In 2027, you’ll also be able to apply for an Atlas Home Loan with 5% minimum deposit and to purchase a property.
- We don’t loan for land, off the plan purchases or construction, or for homes with under 30m² living space.
- We don't offer home loans for trusts or companies; or for more than two borrowers.
- We are also unable to consolidate debt or offer cross-securitised loans, or offer bridging loans at the present time. There may be other options available to you.
- Loan terms available from 10 - 30 years.
Looking for pre-approval?
Although pre-approval for our Atlas Home Loan is currently unavailable, we look forward to introducing this feature in 2027.
Ready to refinance a property?
Currently we are only accepting refinancing applications for customers with a minimum 20% deposit. Applications for customers purchasing or refinancing a property with a minimum 5% deposit will be available in 2027.
- You need to have at least a 20% deposit for a Qantas Money Atlas Home Loan. You’ll also need enough to cover other associated costs, such as a transfer fee, mortgage registration and application fee, inspection fee, legal fees, stamp duty and other costs.
- What you’ll need: You’ll need to provide information which may include your income, your expenses, and your ID.
- Streamlined process available: for eligible customers, we offer a simplified application process. Easy Refinance applications don’t require all of the documentation required for a full application, allowing a quicker, easier way to apply. Easy Refinance will be offered automatically during the application process to eligible customers.
- Credit check: Once you have filled in your details, we'll run a credit check. In most cases, you'll have your answer immediately. If you intend to make multiple applications, note that an additional credit check will trigger for each application.
Qantas Money has partnered with ColCap Financial, a leading Australian non-bank lender, to offer a range of flexible home loan options.
Learn more
Need any help?
Our Home Loan experts are happy to help with your application 7 days a week.
New customers:
Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).
Existing customers with loans funded by Bendigo Bank:
Monday to Friday from 8:30am to 8:30pm, or on weekends from 9:30am to 4:30pm (AEST).
Existing customers with loans funded by ColCap Financial:
Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).
Application enquiries
Frequently asked questions