Variable Rate Home Loans | Qantas Money Home Loans

Skip to main content

Home Loans

Calculators

Qantas Money

Log in

Not a Qantas Frequent Flyer member?
Join here

Where could 100,000 Qantas Points take you?

Who is travelling?

SingleCoupleFamily

economy

Melbourne to Hong Kong

Return flight for one

58,000

PTS

$305 in taxes and carrier charges
Conditions apply ^±

economy

Sydney to Tokyo

Return flight for one

72,400

PTS

$305 in taxes and carrier charges
Conditions apply ^±

economy

Sydney to Singapore

Return flight for one

58,000

PTS

$322 in taxes and carrier charges
Conditions apply ^±

Get a more rewarding home loan and earn 100,000 points every year

Qantas Money is proud to partner with Bendigo Bank to offer you a range of great home loan options with 24/7 secure access to manage your home loan.

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)

1300 992 700

Call: 1300 992 700

Important Information

Credit is provided by Bendigo and Adelaide Bank, ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Credit criteria, fees and charges apply. Based on Bendigo and Adelaide Bank Limited’s credit criteria. This product is only available to Australian residents who are Qantas Frequent Flyer members. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer terms and conditions. Please refer to qantas.com/terms for a copy.

* All lending interest rates are for new loans only and may differ for existing loans. Rates are subject to change. Fees and charges may be applicable and can be found on the Rates and Fees page online.

^ 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.

~ Offer commenced 21 May 2026. To be eligible for the $0 upfront fee offer, Qantas Frequent Flyer members must submit their Qantas Money Home Loans application valued $500,000 and above by 30 June 2026, 11:59pm (AEST) and settle by 30 December 2026, 11:59pm (AEST). Only eligible for new loans submitted via the Qantas Money Home Loans website where the security (property) is not already mortgaged with Qantas Money Home Loans.

+ Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant.

† Limits apply. A member may only take out a loan and earn Qantas Points for up to a maximum of one owner occupied property and five investment properties (depending on individual circumstances). Please contact us if you wish to apply for loans for six properties.

++ Offset Accounts are only available on the Qantas Money Offset Home Loan for both fixed and variable products. Offset Accounts must be linked to an eligible Home Loan account and can only be linked to one eligible Home Loan account at any one time. Up to 6 offset accounts are available per Offset Home Loan. Linked offset account/s must be in the same customer name/s as the loan account. How to set up the offset accounts may change from time to time, and will be advised during the application process. This is general advice only. Consider the Offset Account Terms and Conditions and TMD and your personal circumstances before you take out this product. Complaints about the home loan or offset account should be made to Bendigo and Adelaide Bank Limited (the credit provider and provider of the offset account) by emailing myloan@homeloans.qantasmoney.com

Ω The results are a guide only. They are not a quote, credit approval or offer of credit. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The offset account is not available for all loan products. There are restrictions and/or certain fees payable for additional payments for some products e.g. during the fixed term of a loan. The results assume regularly scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include lenders mortgage insurance if applicable.

~ A $15/month service fee applies to the Qantas Money Offset Home Loan. There is no ongoing monthly service fee for the Qantas Money Basic Home Loan. Other fees may apply.