Final days - Unlock 200,000 Qantas Points with Qantas Money Home Loans
For every new home loan of $500,000+. Apply by 27 Oct 2026. Settle by 27 Apr 2027. T&Cs apply#
The home loans that come with a holiday every year
Qantas Points every year+
Atlas Home Loan
Owner occupied · Principal & interest
with 60% LVR
Streamline your refinance application
For eligible Qantas Money Atlas Home Loan customers, we offer a simplified application process. Easy Refinance applications don’t require all of the documentation required for a full application, allowing a quicker, easier way to apply.
Where could 100,000 Qantas Points take you?
Who is travelling?
Melbourne to Hong Kong
Return flight for one
$305 in taxes and carrier charges
Conditions apply ±
Sydney to Tokyo
Return flight for one
$305 in taxes and carrier charges
Conditions apply ±
Sydney to Singapore
Return flight for one
$322 in taxes and carrier charges
Conditions apply ±
Guides and tips to help you navigate your home loan journey
It’s not as complicated as you might think. Understanding the interest rate and a few key features helps make it easier to assess which is the right home loan for you.
Learn how to boost your borrowing power, from increasing your income to clearing debts and reducing expenses, and more.
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.
Buying your first investment property is a complex financial decision, one that requires a lot of research and planning. Let us guide you through the process.
Check your approval in
3 easy steps
Apply online and receive an answer in just minutes. Need help with your application? Our home loan experts are standing by, ready to help.
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Get ready. Have all your information at hand, including things like your driver licence, income and expenses.
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Apply online. As you complete the application, we’ll confirm your details in real time. We’ll value your property (unless you’ve applied for pre-approval), verify your personal details, run a credit check and validate your income and expenses. Our home loan experts are available if you need help.
If there is something we can’t do digitally or we need to review your application in more detail, it will be sent to our home loans team to review. -
Sign and save. If fully approved, your loan documents will be auto-generated and emailed to you, in most cases, within minutes. Then all you need to do is review, sign and return.
If you’ve been pre-approved and have found a property you’d like to make an offer on, you’ll be able to log back in and add the property address details for us to assess. We’ll complete a valuation to make sure we can lend against the property. Your application will progress towards full approval once you upload your purchase contract.
What you need to apply for a Qantas Money Home Loan
- Be a Qantas Frequent Flyer Member. If the loan is shared among two people, you’ll both need to be (or intend to be) Qantas Frequent Flyer members. Not a member? Sign up and save $99.50**
- Buy or refinance an established property (not off the plan or construction)
- Depending on your circumstances and loan selection, you may be able to borrow from $300K anywhere up to $7.5M:
- For our Basic and Offset Home Loans, keep in mind that for loans under $2M you’ll need at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty
- For our Basic and Offset Home Loans more than $2M, you’ll need at least a 25% deposit or equity, plus savings to cover fees and charges such as stamp duty. Funds in this instance can’t be used for an equity release or ‘cash out’ (refinance)
- For our Atlas Home Loan the maximum borrowing amount is $3.5m and you'll need at least a 20% deposit or equity, depending on the property details, including location
- If you're applying alone, you must be currently employed, either through PAYG or self-employment
- Be able to provide at least one form of government ID, such as a passport, driver licence or Medicare card
- Be an Australian citizen or permanent resident who lives in Australia, or be a joint borrower with an Australian citizen or permanent Australian resident who lives and works in Australia
Self-employed?
You have home loan options
We celebrate all business owners who take on the challenge of working for themselves. That’s why a Qantas Money Home Loan offers more flexibility, at a competitive price. We also offer digital financial validation for eligible self-employed applicants, to help you save time.
Suitable for self-employed customers with:
- A good credit history
- Trading for a minimum of 1 year and ABN registered for at least 1 year
- GST registered if gross revenue > $75,000
- A year's worth of up-to-date tax returns and/or business financial statements
Check out our self-employed FAQ's.
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
We’ve partnered with select lenders to secure competitive rates on all our loans
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
Get a more rewarding home loan and earn 100,000 points every year
Frequently asked questions
Qantas Money Home Loans offer competitive rates, a fast, secure online application process, plus support from real people. Not to mention they’re the only home loans that come with a holiday every year - 100,000 Qantas Points annually for the life of your loan, for up to 6 properties†...
Qantas Money isn’t a bank or a mortgage broker. Instead, we’ve partnered with select lenders to deliver a range of home loan products to best suit your needs.
Where do the funds come from? The funds for our home loans come from Bendigo Bank and ColCap Financial…
The short answer comes down to where they get their money and who regulates them...
The time it takes us to assess your application can change depending on how many applications we’re currently receiving and the complexity of your application. However, with our online application process being streamlined to the basics, you can receive an answer in minutes if we have all the documentation required...
Pre-approval is a full assessment of your personal details and finances (including a credit check) - before you’ve found a property to purchase.
Pre-approval provides you with a pre-approved borrowing amount, based on your current circumstances, so you can search with more confidence...
Both banks and non-bank lenders can provide offset facilities. Banks provide offset accounts and non-bank lenders provide offset sub-accounts. Both offset accounts and offset sub-accounts reduce the interest you pay on your loan, however there are some key differences to be aware of...
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