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At a glance
Our Atlas Home Loan is packed with features, including the option to add up to 10 offset sub-accounts, to best suit your individual needs and goals.
100K
Qantas Points every year*
20%
Minimum deposit
10
Offset sub-accounts++
$349
Annual fee
3.5M
Maximum loan amount
Human support when it matters
Features
Get started with a 20% deposit
- Up to 80% Loan-to-Value (LVR) options are available for the Qantas Money Atlas Home Loan if you’re looking to refinance.
- In 2027, you’ll also be able to apply for an Atlas Home Loan with up to 95% LVR and to purchase a property.
Competitive variable or fixed rates
Whether you’re buying your home or investing in property, we offer competitive variable and fixed rates on all our home loans, allowing you to balance repayment certainty with financial flexibility.
Streamline your refinance application
- 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.
Additional repayments so you can pay it down quicker
- Flexibility to make additional payments means you can get ahead on your mortgage.
- Make unlimited repayments on a variable rate loan, and up to $20,000 per year on fixed rate loans.
- Similar to an offset facility, your additional repayments will sit against your loan and reduce the amount of interest you are charged on the loan - reducing the loan term.
Freedom to make free redraws when you need to
Access the additional repayments you’ve made on your home loan (less one month’s minimum repayment amount), for free.
Interest only available
Our Atlas Home Loan can be structured with interest only repayment options, allowing you to only pay the interest on the loan for a set duration between 1-5 years. This can provide flexibility for managing your cash flow.
Flexible loan size and term
A loan term of up to 30 years and offering loans from a minimum of $300k up to $3.5 million.
Up to 10 offset sub-accounts++
Choose to add up to 10 offset sub-accounts per loan to reduce the interest you’ll pay on your loan, while managing your savings your way.
For fixed rate loans, a limit of $20,000 per annum applies across all sub-accounts.
Offset facilities available
An offset facility can be used to reduce the amount of interest you'll pay over the life of your loan. Our Atlas Home Loan offers up to 10 offset sub-accounts per loan++, across all types of loans (fixed rate, variable rate, owner occupied and investment), giving you more flexibility to manage your loan - and your savings - your way.
Available on fixed and variable loans. (For fixed loans, the offset is limited to $20,000 p.a. Exceeding this limit may incur fees.)
Pay off your loan sooner by reducing the amount of interest charged.
Get full access to your money via the online portal, ATMs, EFTPOS and a Visa Debit Card.
Set and forget with direct debit or auto-payment options.
Streamline your refinance application
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 customers who fit the following criteria:
- Are currently paying a higher interest rate and repayment with your current lender
- Have been repaying your existing loan on time for at least 12 months
- Have a good credit history
- Have not experienced any significant deterioration in their financial circumstances
- May benefit financially from refinancing
Pre-approval
Although pre-approval for our Atlas Home Loan is currently unavailable, we look forward to introducing this feature in 2027.
Self-employed?
Our home loans are also available if you're self-employed.
Business owners can also apply for an Atlas Home Loan. You’ll need to have been trading for a minimum 24 months in the current business and meet our other self-employment criteria.
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.
100,000 Qantas Points for every property - every year
Eligible applicants earn 100,000 Qantas Points per property, every year, 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 |
Managing your home loan
Secure online access, 24/7
We've partnered with ColCap Financial to provide our customers with access to a secure online portal.
- Use this portal to easily manage your home loan, repayments; or to access any additional repayments and transact on your loan
- It’s secure, accessible 24/7, with our home loan experts there to help when you need it
Digital wallet
Your money at your fingertips
With Apple Pay and Google Pay, you can make easy and secure purchases with your debit card right from your device’s digital wallet.
Apple Pay will be available on Atlas Home Loan offset debit cards in 2027.
Frequently asked questions
The short answer comes down to where they get their money and who regulates them...
Both banks and non-bank lenders can provide offset facilities. Banks provide offset accounts and non-bank lenders provide offset sub-accounts. Both offset accounts and offset sub-accounts reduce the interest you pay on your loan, however there are some key differences to be aware of...
While it’s not essential to know all the features you’d like with your loan, you will need to know which Qantas Money Home Loan you’d like to take out so you select the relevant ‘apply now’ button on our website. You’ll be asked a series of questions during the application process that will allow us to assess whether you’re eligible for one of our loans.
Application enquiries
Frequently asked questions