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Home Loan Features and Benefits

A holiday every year is just the beginning

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    100K pts

    every year+

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    Competitive rates

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    Get an answer in minutes

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    Human support when it matters

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    Secure online banking

Large range of home loan options

We know flexibility is important when considering a home loan. So we offer options that help you tailor a loan to best suit your individual needs and goals.

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Get started with as little as 10% deposit

Up to 90% loan-to-value options are available (that don’t impact your interest rate) but remember, Lenders Mortgage Insurance applies if you have less than a 20% deposit of the property’s value, and if you want to borrow more than $2M you will require a 25% deposit.

Check your eligibility

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Pay it down quickly and reduce payments

Our loans could give you plenty of opportunity to shorten the term of your loan - with the benefit of additional repayments and free online redraws.

Get pre-approved and search for your next property with confidence

Unlike some lenders, Qantas Money Home Loans Pre-approval includes a full assessment of your personal details and finances (including a credit check).

This means you’ll have a more accurate understanding of your borrowing capacity, based on your current circumstances.

We understand that searching for your next property can take time. Our Pre-approval is valid for 60 days. You’ll also have the option to renew for a further 60 days, provided your financial or personal circumstances haven’t changed.

Continue to full approval with ease

One of the benefits of Pre-approval is that your home loan application is underway and you won’t need to start the process from scratch.

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You will be able to progress your application by logging in and updating the property address details for us to assess and complete a valuation to make sure we can lend against the property

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If your offer is accepted on the property you will be able to upload your Purchase Contract so that your application can progress to full approval

Offset account available

An offset account is a great way to reduce the amount of interest you'll pay over the life of your loan. Unlike many lenders, Qantas Money Home Loans also offer an offset facility++ across all our home loans including our fixed rate loans - giving you more flexibility to manage your loan, your way.

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Available on fixed and variable loans.

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Pay off your loan sooner by reducing the amount of interest charged.

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Have funds available to withdraw when you want.

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Set and forget with direct debit or auto-payment options.


Self employed

Home loans don't need to be complicated - especially if you're self-employed.

We offer options for business owners that cut down on the paperwork required and help make applying for a loan easier.

A Qantas Money Home Loan offers flexibility, at a competitive price. Take a look and see if one of our home loans could be the right one for you.

Visit our self-employed FAQ's here

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Additional repayments

  • Flexibility to make additional payments means you're not weighed down by your mortgage. You can repay up to $20,000 per year on fixed loans.

  • Get ahead on your mortgage - or insulate yourself from future rate rises - by paying more than your agreed repayment every month.

  • Similar to an offset account, your additional repayments will sit against your loan and reduce the amount of interest you are charged on the loan - reducing the loan term.


Redraw feature

  • Get the benefit of reducing the interest you pay - but still have full access to your money if you need it.

  • Access to all additional repayments made on your home loan. (You’ll need to have at least one month’s repayment amount remaining in your account.)

  • Reduce your interest while still having access to your savings at any time, with unlimited free online withdrawals for variable loans.

Secure online banking

Bendigo Bank Dad and daughter

Manage your home loan securely, 24/7

We've partnered with Bendigo and Adelaide Bank to provide our customers with access to a secure online banking portal.

  • Use this portal to manage your home loan, repayments; or to access any additional repayments and transact on your loan

  • It’s secure, accessible 24/7 with our Qantas Money Home Loan experts there to help when you need it.

100,000 Qantas Points for every property - every year

Eligible applicants earn 100,000 Qantas Points per property, so if you refinance multiple properties with Qantas Money Home Loans, you'll qualify for 100,000 Qantas Points every year, for every property.

Number of Properties Qantas Points per year
1 100,000
2 200,000
3 300,000
4 400,000
5 500,000