A home loan that makes your investment property even more rewarding
Qantas Points every year+
Variable
Investment · Principal & interest
Why choose a Qantas Money Home Loan for your investment property?
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
Additional repayments
Available on both variable and fixed loan options (fixed rate loans are limited to $20,000 per year) - with free redraws
Easy application process
Apply online to get an answer in minutes.
Let's find your investment property loan
Features of an investment loan
What is an investment loan?
Investment loans are a type of loan you can get when you want to purchase or refinance a property to hold as an investment. This differs from an owner occupied home loan which is a type of loan you would get if you intended to live in the property you are applying for.
Our investment variable interest only loan can help you build your property portfolio. Benefit from lower repayments as you just pay the interest charged each month for the interest only term of the loan (max 5 years). Once the interest only period ends, the loan will revert to Principal and Interest repayments. If choosing an interest only loan, you should consider the interest only term (1-5 years) carefully, and budget for a change in repayments once this ends. You should be aware this is likely to result in paying more interest over the total loan period as the principal amount would not be reduced each month.
Can I change from an investment loan to an owner occupied loan?
If your circumstances change and you intend to move into your investment property, you can change from an investment loan to an owner occupied loan. Simply call us on 1300 992 700 to discuss your options.
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
You can apply for loans on multiple properties, up to a maximum of one owner occupied property and five investment properties. However, we will need separate loan applications for each property (i.e. property cannot be cross-collateralised/securitised).
Yes. Equity is a powerful tool that can set you on the road to building a profitable investment property portfolio. You can use the equity in your home as an investment property deposit, and if you have enough equity built up, you can borrow 80% of the property’s value without having to use your own cash.
Yes, if you are on a variable rate you can make unlimited additional repayments. If you are on a fixed rate you can make repayments up to $20,000 per annum. You can make additional repayments online by transferring the funds to your home loan account – just like any other bank transfer.
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.
