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 rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the 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. 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 a different comparison rate.
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.
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Qantas Money Home Loans establishment fees consist of an application fee, a loan processing 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 processing fee of $150 is payable for processing your application and preparing loan documentation.
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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