Home loans that make your investment property even more rewarding
Qantas Points every year+
Basic Home Loan
Investment · Principal & interest
with 50% LVR
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
We’ve partnered with select lenders to secure competitive rates on all our loans
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
Thinking of investing property? Let us show you how.
A guide to buying your first investment property
Buying your first investment property is a complex financial decision, one that requires a lot of research and planning. Let us guide you through the process.
What makes a good investment property?
Investing in property is a popular way to invest money, but before starting, there are lots of things you need to consider.
What is home equity and how does it work?
Using your equity as a deposit can help you get an investment property without having to spend time saving while also paying your home loan repayments.
What is pre-approval & how long does it take?
When considering an investment property, it’s good to know how much you can borrow to give you confidence in your property search.
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
$305 in taxes and carrier charges
Conditions apply ±
Sydney to Tokyo
Return flight for one
$305 in taxes and carrier charges
Conditions apply ±
Sydney to Singapore
Return flight for one
$322 in taxes and carrier charges
Conditions apply ±
Frequently asked questions
Investment home loans are for properties you are buying to rent out as an investment property. Investment home loans are also for refinancing an existing investment property or you’re refinancing a property you currently live in but you are now planning on renting out.
Taking out an investment home loan (vs an owner occupied loan), allows you to rent out the property as soon as you’ve bought it. However, you will typically need to pay a higher interest rate for an investment home loan.
Yes, you may be able to use the equity in your home as an investment property deposit.
How is equity calculated? Your accessible equity is the difference between your home’s current value and how much you still owe on your home loan. If you’ve lived in your home for a few years, you may have accumulated a reasonable amount of accessible equity.
Most lenders may only lend up to 80% of your home’s current value minus your current home loan limit. This is known as your usable equity, which is less than your accessible equity.
If you’re looking for an investment home loan, a number of options are available including:
- Fixed - provides certainty of repayments over the fixed term period.
- Variable - flexibility to make additional repayments.
- Principal and interest - pay down the principal of your loan right from the start Interest only - may assist with cash flow management.
Make sure you consider your personal circumstances and goals, and speak to a financial adviser to work out which loan type is best for you.
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. Please contact us if you wish to apply for loans for six properties.
You will also be eligible for Qantas Points on each property and will receive 100,000 points every year, for each property you settle on, giving you more opportunities to discover new destinations, year after year.
Important information Eligibility criteria, T&Cs apply. Members will earn Qantas Points 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.
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.
Qantas Money has partnered with Bendigo Bank and ColCap Financial, two of Australia's experienced lenders, to offer a range of home loans with competitive rates that earn you Qantas Points.
Learn more
Need any help?
Our Home Loan experts are happy to help with your application 7 days a week.
New customers:
Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).
Existing customers with loans funded by Bendigo Bank:
Monday to Friday from 8:30am to 8:30pm, or on weekends from 9:30am to 4:30pm (AEST).
Existing customers with loans funded by ColCap Financial:
Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).
Application enquiries
Frequently asked questions