Variable rate home loans that come with a holiday every year
Qantas Points every year+
Variable
Owner occupied · Principal & interest
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
Streamlined process means streamlined costs. Get great rates*, with Qantas Points benefits
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
Choose from our Variable Home Loans
Key benefits of a Variable loan
Our variable loans give you the flexibility to make unlimited extra repayments, so you could pay off your loan sooner, with no associated break costs. You could also save on interest by using up to 6 offset accounts available with our Offset Home Loan++.
Up to 6 offset accounts available
An offset account is a great way to reduce the amount of interest you'll pay over the life of your loan. With our Qantas Money Offset Home Loan, we offer up to 6, 100% offset accounts with all our variable and fixed home loans. Our Offset Home Loan has a monthly fee of $15 per loan.++
Repay faster, and save on interest
A variable loan gives you plenty of opportunity to shorten the term of your loan - with unlimited additional repayments and free redraws. Which means you can access the additional funds you’ve added, less one month’s minimum loan repayment, for free.
No ongoing fees~, just ongoing holidays
Get a great value home loan and a holiday year after year - you’ll receive 100k Qantas Points per loan, per year, at no additional cost.
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
$295 in taxes and carrier charges
Conditions apply ±
Sydney to Tokyo
Return flight for one
$309 in taxes and carrier charges
Conditions apply ±
Sydney to Singapore
Return flight for one
$325 in taxes and carrier charges
Conditions apply ±
Frequently asked questions
A variable rate home loan is one where the interest rate goes up and down with market fluctuations, which are influenced in part by the official cash rate set by the Reserve Bank of Australia (RBA). There are other factors that can also contribute to interest rate movements over the life of a home loan.
This will depend on your personal situation and preferences. If you prefer the security of knowing exactly how much your repayments will be every month, then a fixed rate home loan locked in for a set period may be better for you.
If you don’t mind your interest rate changing according to market fluctuations and would rather have a loan with features that can help you pay it off quicker (such as an offset account), then a variable rate loan might be a better option.
You’ll be asked a series of questions during the application process that will not only tell us whether you’re a good fit for one of our loans, but also help to narrow down the kind of loan that’s best for you.
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.
