Ready to apply for pre-approval?

• What you’ll need: You’ll need to provide information including your income, your expenses, and your ID.
• You’ll need to provide details on how much you are willing to spend on a property and how much you would like to borrow. If you’re unsure, you can go back to our Borrowing Power Calculator to get an estimate to help guide you for your application or ask one of our home loans experts to help you.
• You’ll also need to provide a postcode of the preferred area you are looking to buy in. This can be updated at a later stage if you choose a different location during your property search.
• 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.
• Pre-approval will last for 60 days. You will have the option of renewing your Pre-approval for an additional 60 days before it expires^π. After this you can always reapply once you’re closer to finding your home.
• If you’re pre-approved for a Qantas Money Home Loan, simply log back in to update your application once you have found a property you’d like to make a bid or offer on. At this point we’ll assess it - which will include a valuation - to make sure we can lend against the property.
• If any of your personal or financial information changes, you will need to update it in the portal.

Learn more about eligibility for our home loans.

Ready to purchase or refinance a property?

• You need to have at least a 10% deposit for a Qantas Money Offset 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. If your deposit is less than 20%, you’ll be required to take out Lenders Mortgage Insurance.
• Borrowing more than $2 million? You need a 25% deposit - and we won't be able to do a 'cash out' or equity release refinance.
• What you’ll need: You’ll need to provide information including your income, your expenses, and your ID.
• 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.

Learn more about eligibility for our home loans.

Qantas Money has partnered with Bendigo Bank, one of Australia's most experienced lenders to offer a range of home loan options.

Learn more