Fixed rate home loans that come with a holiday every year
Qantas Points every year+
Fixed 3 years
Owner occupied · Principal & interest
Why come on board with a Qantas Money Home Loan?
100,000 points every year
Enjoy 100,000 Qantas Points every year for the life of your home loan for up to 6 properties+†
Competitive rates
Streamlined process means streamlined costs. Get great rates*, with Qantas Points benefits
Easy application process
Apply online to get an answer in minutes
Help when you need it
Our home loan experts are here to help with your application 7 days a week
Choose from our Fixed Home Loan products
Key benefits of a fixed home loan
Our fixed home loan has a fixed interest rate and set repayments that won't change during the fixed term so you can lock in a great rate that won't change, regardless of any future RBA rate rises during the fixed rate period##.
100% offset accounts available
Unlike many lenders, we offer up to 6 offset accounts per loan with our Qantas Money Offset Home Loan. This is available across all types of loans including fixed rate loans - giving you more flexibility to manage your loan, your way. The Qantas Money Offset Home Loan has a $15 monthly service fee++.
Repay faster and save on interest
Our fixed rate home loans let you pay up to $20,000 a year in additional loan repayments.
A redraw facility
Your Qantas Money Home Loan comes with a redraw facility, which means you can access any extra payments you’ve made on your loan, less one month’s minimum loan repayment, for free. Get the benefit of reducing the interest you pay - but still have access to your money if you need it.
Get a more rewarding home loan and earn 100,000 points every year
Where could 100,000 Qantas Points take you?
Who is travelling?
Melbourne to Hong Kong
Return flight for one
$295 in taxes and carrier charges
Conditions apply ±
Sydney to Tokyo
Return flight for one
$309 in taxes and carrier charges
Conditions apply ±
Sydney to Singapore
Return flight for one
$325 in taxes and carrier charges
Conditions apply ±
Frequently asked questions
A fixed rate home loan is one where the interest rate is locked in for a certain period (usually 1-5 years). At the end of this period you can either commit to another fixed rate or revert to a variable interest rate. The ‘re-fix’ interest rate will depend on the rates available in the market at that time.
This will depend on your personal situation and preferences. If you prefer the security of knowing exactly how much your repayments will be every month, then a fixed rate home loan locked in for a set period may be better for you.
If you don’t mind your interest rate changing according to market fluctuations and would rather have a loan with features that can help you pay it off quicker (such as an offset account), then a variable rate loan might be a better option.
An offset account is similar to a savings account, however it is linked to your home loan and offsets the balance of your home loan. The balance of money in your offset account is deducted from your home loan balance when your interest is calculated. If you have a decent balance in your offset account, you could save thousands of dollars in interest over the life of your loan (and potentially pay off your loan faster, too).
Qantas Money Home Loans offers up to six 100% offset accounts with all of our Offset Home Loans, including our fixed rate loans.
Need any help?
Our Home Loan experts are happy to help with your application 7 days a week.
New customers, Monday to Friday: 8:00am to 6:30pm. Weekends: 9:00am to 5:00pm (AEST)
Existing customers, Monday to Friday: 8:30am to 8:30pm. Weekends: 9:30am to 4:30pm (AEST)
Application enquiries
Frequently asked questionsQantas Money is proud to have partnered with Bendigo and Adelaide Bank, one of Australia's most trusted banks to offer you a range of great home loan options, with 24/7 secure access to manage your home loan.
Important Information
Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.
Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. This product is only available to Australian residents who are Qantas Frequent Flyer members. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. Please refer to qantas.com/terms for a copy.
* All lending interest rates are for new loans only and may differ for existing loans. Rates are subject to change. Fees and charges may be applicable and can be found on the Rates & Fees page online.
^ Important information about comparison rates: the comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: the comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. All interest rates are subject to change without notice. Fees and charges can be found on the Rates and Fees page.
+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.
† Limits apply. A member may only take out a loan and earn Qantas Points for a maximum of one owner occupied property and five investment properties (at a time).
Ω The results are a guide only. They are not a quote, credit approval or offer of credit. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The offset account is not available for all loan products. There are restrictions and/or certain fees payable for additional payments for some products e.g. during the fixed term of a loan. The results assume regularly scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include lenders mortgage insurance if applicable.
## The lock of a fixed rate is automatically applied to customers who take out a Qantas Money fixed rate home loan. This lock applies to the fixed rate applicable on the date the application is received. The Fixed Rate Lock is valid for 90 days and the customer must settle in no more than 90 days of the initial loan application for the locked-in fixed rate to apply. If the loan does not settle within 90 days, the applicable fixed rate for the loan type at the settlement date will apply.
++ Offset Accounts are only available on the Qantas Money Offset Home Loan for both fixed and variable products. Offset Accounts must be linked to an eligible Home Loan account and can only be linked to one eligible Home Loan account at any one time. Up to 6 offset accounts are available per Offset Home Loan. Linked offset account/s must be in the same customer name/s as the loan account. How to set up the offset accounts may change from time to time, and will be advised during the application process. This is general advice only. Consider the Offset Account Terms and Conditions and TMD and your personal circumstances before you take out this product. Complaints about the home loan or offset account should be made to Bendigo and Adelaide Bank Limited (the credit provider and provider of the offset account) by emailing myloan@homeloans.qantasmoney.com
~ A $15/month service fee applies to the Qantas Money Offset Home Loan. There is no ongoing monthly service fee for the Qantas Money Basic Home Loan. Other fees may apply.