Key Facts Sheet
A Key Facts Sheet (KFS) is designed to help you choose the right home loan. It is a summary of the loan you are looking at - including a personalised comparison rate and an estimation of the costs of your home loan. It also explains what will happen if interest rates rise or if you roll from a fixed rate.
See our FAQ to learn more.
Things you should know
A Key Fact Sheet (KFS) is designed to help you choose the right home loan. It is a summary of the loan you are looking at, including a personalised comparison rate and an estimation of the costs of your home loan. This is not an offer of credit. This is an estimate only and is provided for illustrative purposes. It is based on the accuracy of information provided. You will need to apply for the loan and meet our lending criteria before we can determine whether you are eligible for this loan. The amount of the repayments shown in this Key Facts Sheet will change if interest rates, fees and charges change and/or if a different loan type, loan term or loan amount is used.
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.
How this Key Fact Sheet works
A Key Fact Sheet is a document developed by the government and used by lenders like Qantas Money Home Loans to help borrowers better understand the key features, charges, and risks associated with a specific home loan product.
A Key Fact Sheet is an excellent tool for comparing different home loan scenarios. This is because it provides a summary of the most important information about a home loan, such as the interest rate, upfront and ongoing fees, the estimated total amount being paid over the life of the loan, and other details such as redraw options, early repayment fees, and access to offset accounts.
You can find out more here
Qantas Money Home Loans establishment fees consist of an application fee, an establishment fee, a settlement service fee, a mortgage security registration/discharge fee that varies, and other legal fees that may vary based on the services provided.
The application fee of $345 is incurred for assessing your home loan application, while the loan establishment fee of $150 is payable for the Bank to fund your loan with a nominated Solicitor/Settlement Agent.
The settlement service fee of $345.40* is charged for the preparation of mortgage documentation and settlement on one property, or it may be higher for non-standard transactions. Additionally, a mortgage security registration/discharge fee is payable to the land titles office to register the mortgage or discharge existing securities, and other legal fees, which vary, may also apply for establishing the loan.
*Note: additional fees may apply in a non-standard transaction
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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.
