Rates announcement
Updated 6 November 2026
Following the Reserve Bank of Australia’s recent decision to increase the official cash rate, we have updated our variable home loan interest rates for loans funded by Bendigo Bank and ColCap.
Bendigo Bank Funded Loans
Applies to Basic & Offset Home Loans
| Customer Type | Rate Change | Loan Type | Effective Date |
|---|---|---|---|
| New Customers | +0.25% p.a. | All variable rate home loans | 12 November |
| Existing Customers | +0.25% p.a. | All variable rate home loans | 12 November |
ColCap Funded Loans
Applies to Atlas Home Loans
| Customer Type | Rate Change | Loan Type | Effective Date |
|---|---|---|---|
| New Customers | +0.20% p.a. | Owner Occupied, 70.01%–80% LVR variable rates | 11 November |
| New Customers | +0.25% p.a. | All other variable rate home loans | 11 November |
| Existing Customers | +0.25% p.a. | All variable rate home loans | 9 November |
How to navigate a rate change
Should I fix my interest rate?
When interest rates drop, you may wonder if fixing the rate is the right move for you. Learn more about what to consider in these circumstances.
How to refinance your home loan
Refinancing your home loan can be a great way to lower repayments and save some money. But how does it all work? Here we explain the process.
Financial hardship
Life moves fast and sometimes we face unexpected hurdles that impact our finances. We’re here to help you find the right solution if your home loan becomes difficult to manage.
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