Your selected home loans
Qantas Money launched a simple home loan offering in February 2023, with the choice between a variable rate or a fixed rate, with terms spanning one to five years. Qantas Money provides its home loans through a partnership with Bendigo and Adelaide Bank, and its variable rates in particular are worthy of consideration for buyers and refinancers. All Qantas Money home loans come with 100,000 Qantas Points every year – a unique perk for borrowers.
Mozo Experts Choice 2025 multi-award winner
Competitive rates for low deposit home loans
Borrow up to 90% of a property’s value
100,000 Qantas Points every year
$840 in upfront establishment fees
$325 to discharge your mortgage
Property valuation fees
Qantas Money’s Variable Home Loan stands out by offering a competitive interest rate with the added bonus of giving you 100,000 Qantas Points every year.
On top of this, it was also the winner of three Mozo Experts Choice Awards in 2025, taking home a win in the Low Cost Home Loan, Offset Home Loan and First Home Buyer Loan categories.
It allows borrowers to apply with a deposit as little as 10% – that’s a loan-to-value ratio (LVR) of up to 90% – while still offering a low-cost variable rate. It’s this feature that can make it a good option for first home buyers, or anyone looking to refinance to a lower rate.
One downside to Qantas Money’s Variable Home Loan is that it comes with a number of fees, including $840 just to get the home loan established.
There are no annual or monthly account fees, but you will have to pay out of pocket for basics such as property valuation and discharging your mortgage.
On the plus side, this home loan comes with 100,000 Qantas Points every year, which Qantas says is enough for a return flight from Melbourne to Hong Kong, or Sydney to Los Angeles (see site for details).
Limited time offer: Earn up to 200,000 bonus Qantas Points when you apply for a home loan before 10 May, 2025 (T&Cs apply).
Your selected home loans
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Write a reviewHere’s our tips for getting the most out of a Qantas Money home loan:
Qantas Money partners with Bendigo and Adelaide Bank to offer its home loan products. You’ll technically be a Qantas Money customer if you apply for one of its home loans, but the funds are provided through Bendigo and Adelaide Bank, and you’ll make your repayments through an Adelaide Bank online platform.
Qantas Money allows you to borrow anywhere between $300,000 and $3 million. You’ll be required to have a deposit worth at least 10% of the property’s value in most circumstances, however if you are borrowing more than $2 million, you’ll need a deposit of at least 25%.
An offset account is a transaction account that’s linked to your home loan and is used to reduce the amount of interest you pay.
Qantas Money offers an optional offset account with all of its variable and fixed rate home loans, but you’ll need to pay $10 a month to keep it.
If you decide to add an offset account after you’ve already established your home loan, Qantas Money will charge you a $150 fee in addition to the $10 monthly charge.
No, Qantas Money does not offer split home loans.
Here are some of the ways you can use Qantas Points:
There are no hard and fast rules for how much a Qantas Point is worth. According to the website FreePoints , a Qantas Point can be worth anywhere from half a cent if spent on gift cards and products, up to five cents or more if used on a first class international flight.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.
^See information about the Mozo Experts Choice Home Loan Awards
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