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At a glance
Our Offset Home Loan offers essential features you’re looking for with the added flexibility of up to 6 offset accounts to help manage your money and reduce your interest.
100K
Qantas Points every year*
10%
Minimum deposit
6
Offset accounts
$15
Monthly fee
$7.5M
Maximum loan amount
Human support when it matters
Flexible features
Get started with a 10% deposit
Up to 90% Loan-to-Value (LVR) options are available for the Qantas Money Offset Home Loan, but if you want to borrow more than $2M, you will require a 25% deposit.
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.
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 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.
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 Offset 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 $7.5 million.
Up to 6 offset accounts++
Choose to add up to 6 offset accounts per loan to reduce the interest you’ll pay on your loan, while managing your savings your way.
Offset accounts available
An offset account can be used to reduce the amount of interest you'll pay over the life of your loan. Our Offset Home Loan offers up to 6 offset 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.
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 when looking for your property, 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.
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
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
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.
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 mobile banking, 24/7
We've partnered with Bendigo Bank to provide our Offset Home Loan customers with the Qantas Money Home Loans app.
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Use this app to easily manage your home loan, repayments; or to access any additional repayments and transact on your loan
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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.
Application enquiries
Frequently asked questions