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Our Atlas Home Loan is packed with features, including up to 10 offset facilities to help manage your money and reduce your interest. Currently only available for refinance loans with a minimum deposit or equity of 20%.
Interest rates
Our rates are based on the Loan-to-Value Ratio, which is the percentage of the property value that you are borrowing. Learn more about LVR
Customise the loan details below to view the interest rates for the Atlas Home Loan.
Fees
Upfront fees from Qantas Money and partners
The following fees and charges are those you may incur as a result of the lender setting up your new loan.
Fee Type | Atlas Home Loan |
|---|---|
Establishment fee Payable when you apply for a new loan. | $0 |
Loan application fee Payable for the assessment and processing of your home loan application. This fee is payable on the Settlement Date to Qantas Money. | $345 |
Solicitors Documentation fee Payable to ColCap Financial for the preparation of legal documentation to set up your loan and settlement. Is paid on settlement. Note: additional fees (disbursements) may apply in a non-standard transaction. | $345.40* |
Upfront external fees
The following fees and charges are those you may incur during the loan set up process that are charged by external parties that need to be factored into your budget.
Lender Protection Fee (LPF) A one-off fee you’ll need to pay if you have less than a 20% deposit. It protects the lender from financial loss if you can’t meet your repayments and default on your home loan. It is added to your loan amount. |
Mortgage registration fee Payable to the relevant land registries to register our mortgage(s) over the Mortgaged Property. |
Title search fee Payable to the relevant land registries to confirm the property ownership details and identify any registered interests, encumbrances or restrictions affecting the title. This fee varies by state and territory and is charged at cost. |
Other registration fee Payable to the relevant land registries to register any other documents we lodge for registration with or prior to our mortgage(s) over the Mortgaged Property. |
Ongoing fees
The following fees and charges are those you may incur throughout the life of your loan.
Fee Type | Atlas Home Loan |
|---|---|
Lender annual facility fee Payable annually in advance on each anniversary of the date that funds are advanced. | $349 |
Miscellaneous fees
The following fees and charges may be applicable to your loan depending on the type of loan you have set up and requests you make of the lender over the life of the loan.
Fee Type | Atlas Home Loan |
|---|---|
Dishonour Fee Payable to cover our administrative costs when there is a dishonoured payment. | $20.00 per dishonour plus third party costs |
Monthly Arrears Administration Fee Payable on the day after your loan account has been in arrears for 10 days, and on the same day each subsequent month for as long as your loan account remains in arrears for 10 days or more. The fee covers costs associated with managing your loan account through the arrears process. | $150.00 per month |
Notice of Default Fee Payable each time your loan account is in default and we are required to calculate the total amount owing to correct the default, prepare a default letter, and issue the letter to you. | $330.00 per default if there is one borrower, or $660.00 per default if there are two or more borrowers |
Loan Account Variation Fee Payable each time you request, and we agree, to split, switch or convert a loan account or sub-account, or make a change to your loan account and/or loan agreement. | $150 |
Loan Facility Variation Fee Payable each time you request, and we agree, to materially change the loan facility, for example, an increase to the amount of credit, a security substitution, or similar. | $300 |
Discharge Administration Fee Payable for each discharge we are required to make in relation to your loan. | $535.00 per mortgage discharged plus third party costs |
Break Cost Fee Payable during a Fixed Rate Period if: | Cost depends on the outstanding balance, the fixed rate and the number of days left on the fixed rate period |
Ad Hoc Statement Fee Payable per statement cycle that you request us to generate and reproduce for you. A statement cycle is statements for a six monthly period from January to June or from July to December. | $15.00 per statement cycle |
Paper Statement Fee Payable each time we issue you with a paper version of your statements (whether upon your specific request for a statement, or the regular statement issuance where you have not elected to receive a statement electronically). | $2 |
Insurance Renewal Administration Fee Payable in the event that you do not provide evidence of a current building insurance policy and we are required to renew or take out building insurance on your behalf as a result. | $200.00 per renewal, plus third party costs |
Special Attendance Fee Payable if we are required to undertake any special attendances (e.g. consent to second mortgage, consent to lease, review of specialist disability accommodation provider lease agreement). | $350.00 per attendance plus third party costs |
Miscellaneous external fees
The following fees and costs are charged by external parties and may be applicable to your loan depending on the type of loan you have set up and requests you make of the lender over the life of the loan.
Subsequent valuation fee Payable each time we obtain a valuation for any Mortgaged Property when you are in default or when we are considering a request from you for a change, consent or discharge of, or relating to your Contract and/or a Mortgaged Property. |
Consent or production fee Payable if we are required to pay the holder of a security interest in any Mortgaged Property to obtain their consent or for them to produce any title or other document(s) necessary for us to register our mortgage(s) or security interest(s) over the Mortgaged Property. |
Solicitor fees & disbursements Payable if we engage a solicitor or agent to act for us in connection with a change, consent or discharge of, or relating to your Contract and/or a Mortgaged Property. |
Discharge of mortgage registration fee Payable if we provide or lodge a discharge or release of mortgage in respect of any Mortgaged Property for registration with the relevant land registry. |
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.
Application enquiries
Frequently asked questions