Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | 75%-90% | $300,000 | $2,000,000 |
|
|
Owner Occupier | Principal & Interest | < 75% | $300,000 | $3,000,000 |
|
|
Owner Occupier | Interest Only | < 75% | $300,000 | $3,000,000 |
|
|
Owner Occupier | Interest Only | 75%-90% | $300,000 | $2,000,000 |
|
|
Investor | Principal & Interest | < 75% | $300,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 75%-90% | $300,000 | $2,000,000 |
|
|
Investor | Interest Only | < 75% | $300,000 | $3,000,000 |
|
|
Investor | Interest Only | 75%-90% | $300,000 | $2,000,000 |
For customers looking to score some bonus points alongside their new home, Qantas Money’s Fixed Home Loan offers an attractive rewards program for Qantas Frequent Flyer members. However, customers need to be aware of the various fees associated with this loan product, as there are a few big ones, especially up-front.
The Qantas Money Fixed Home Loan starts with a fixed interest rate of 6.19% p.a. (6.16% p.a. comparison rate*) for one year and is available for loans between $300,000 and $3 million. You can secure a fixed interest rate for one to five years.
After the fixed-rate period ends, customers revert back to a 5.78% p.a. variable rate.
Qantas Frequent Flyer club members can score a bonus of 100,000 Qantas Points upon settlement of their Qantas Money Fixed Home Loan. Plus, with every year that goes by, Qantas Frequent Flyer members that stick with their home loan product can get a bonus of 100,000 additional Qantas Points on the anniversary of their settlement date. Your points will accrue three months after the anniversary date of your settlement. Terms and conditions apply and there may be other fees associated with the Qantas Frequent Flyer club membership.
This home loan comes with a free redraw facility, but it’s only free if you’re using internet or phone banking to perform the redraw. Otherwise, ‘manual’ redraws incur a $50 fee per transaction and must be carried out at a Bendigo Bank branch.
There are a few up-front fees involved with this loan product that you’ll need to be aware of. These include:
Application fee ($345)
Loan processing fee ($150)
Settlement fee (minimum $345.40).
You also have the option to add a 100% offset account to your home loan product. Choosing this offset facility option will cost $10 per month.
There may be additional fees associated with your home loan if you need to vary your home loan contract, recalculate your repayment schedule after making additional payments, if you go into arrears, or if your direct debit bounces because you don’t have enough funds in your account. Be sure to check these out on the Qantas Money website so you’re aware of potential extra costs.
Home loan customers looking to fix their rate for one to five years and those that wish to take advantage of the bonus Qantas Points deal each year they stay with the same loan.
The up-front fees can be quite expensive compared with other products on the market. The offset facility is also an optional extra and costs $10/month.
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n/a |
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n/a |
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n/a |
|
|
n/a |
|
|
6.19% (6.16%*) |
|
|
5.99% (6.13%*) |
|
|
5.99% (6.12%*) |
|
|
6.19% (6.19%*) |
|
|
6.19% (6.19%*) |
|
|
n/a |
|
|
n/a |
|
|
6.08% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$2,000,000 |
|
|
75.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
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n/a |
|
|
n/a |
|
|
n/a |
|
|
6.19% (6.16%*) |
|
|
5.99% (6.13%*) |
|
|
5.99% (6.12%*) |
|
|
6.19% (6.19%*) |
|
|
6.19% (6.19%*) |
|
|
n/a |
|
|
n/a |
|
|
6.08% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$3,000,000 |
|
|
none |
|
|
75.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
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n/a |
|
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n/a |
|
|
n/a |
|
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6.59% (6.20%*) |
|
|
6.39% (6.21%*) |
|
|
6.39% (6.23%*) |
|
|
6.59% (6.32%*) |
|
|
6.59% (6.36%*) |
|
|
n/a |
|
|
n/a |
|
|
6.08% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$3,000,000 |
|
|
none |
|
|
75.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.59% (6.20%*) |
|
|
6.39% (6.21%*) |
|
|
6.39% (6.23%*) |
|
|
6.59% (6.32%*) |
|
|
6.59% (6.36%*) |
|
|
n/a |
|
|
n/a |
|
|
6.08% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$2,000,000 |
|
|
75.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.34% (6.32%*) |
|
|
6.14% (6.29%*) |
|
|
6.14% (6.28%*) |
|
|
6.34% (6.34%*) |
|
|
6.34% (6.35%*) |
|
|
n/a |
|
|
n/a |
|
|
6.24% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$3,000,000 |
|
|
none |
|
|
75.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.34% (6.32%*) |
|
|
6.14% (6.29%*) |
|
|
6.14% (6.28%*) |
|
|
6.34% (6.34%*) |
|
|
6.34% (6.35%*) |
|
|
n/a |
|
|
n/a |
|
|
6.24% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$2,000,000 |
|
|
75.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.44% (6.32%*) |
|
|
6.24% (6.31%*) |
|
|
6.24% (6.31%*) |
|
|
6.44% (6.38%*) |
|
|
6.44% (6.39%*) |
|
|
n/a |
|
|
n/a |
|
|
6.24% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$3,000,000 |
|
|
none |
|
|
75.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.44% (6.32%*) |
|
|
6.24% (6.31%*) |
|
|
6.24% (6.31%*) |
|
|
6.44% (6.38%*) |
|
|
6.44% (6.39%*) |
|
|
n/a |
|
|
n/a |
|
|
6.24% p.a. |
|
$495.00 |
|
|
n/a |
|
|
n/a |
|
|
$354.40 |
|
|
n/a |
|
|
n/a |
|
|
$325.00 |
|
$300,000 |
|
|
$2,000,000 |
|
|
75.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - upto $20,000 yearly |
|
|
none |
|
|
yes - fees apply |
|
|
$1.00 |
|
|
no |
|
|
yes - $10 monthly |
|
|
Home loans available to Qantas Frequent Flyer Members only. $50 redraw fee per manual (Branch) withdrawal. |
|
|
none |
|
|
Receive 100,000 Qantas Frequent Flyer points and an addtional 100,000 points every year of the loan, up to 30 years for up to 5 properties. |
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.
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Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.15% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.
