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Qantas Money Fixed Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $300,000 and $2,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $300,000 and $3,000,000 with an LVR below 75%
The details shown below are for an owner occupier taking out a interest only loan between $300,000 and $3,000,000 with an LVR below 75%
The details shown below are for an owner occupier taking out a interest only loan between $300,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $300,000 and $3,000,000 with an LVR below 75%
The details shown below are for an investor taking out a principal & interest loan between $300,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $300,000 and $3,000,000 with an LVR below 75%
The details shown below are for an investor taking out a interest only loan between $300,000 and $2,000,000 with an LVR below 90%

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
  • Owner Occupier (Principal & Interest)
    LVR 75%-90%
    Loan: $300,000 $2,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 75%
    Loan: $300,000 $3,000,000
  • Owner Occupier (Interest Only)
    LVR < 75%
    Loan: $300,000 $3,000,000
  • Owner Occupier (Interest Only)
    LVR 75%-90%
    Loan: $300,000 $2,000,000
  • Investor (Principal & Interest)
    LVR < 75%
    Loan: $300,000 $3,000,000
  • Investor (Principal & Interest)
    LVR 75%-90%
    Loan: $300,000 $2,000,000
  • Investor (Interest Only)
    LVR < 75%
    Loan: $300,000 $3,000,000
  • Investor (Interest Only)
    LVR 75%-90%
    Loan: $300,000 $2,000,000
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.12% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.12% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.23% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.23% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.14% p.a.
Comparison Rate
6.28% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.14% p.a.
Comparison Rate
6.28% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.24% p.a.
Comparison Rate
6.31% p.a.
Service fee
Upfront fee
$849
Fixed 3 year rate
6.24% p.a.
Comparison Rate
6.31% p.a.
Service fee
Upfront fee
$849

Mozo editorial review Qantas Money Fixed Home Loan - last updated: 31 May 2024

binocular icon
What's hot
  • Fixed rates start at 6.19% p.a. (6.16% p.a. comparison rate*) for one year
  • Free redraws through internet or phone banking
  • 100% offset account option available for $10/month
  • Qantas Frequent Flyer members receive 100,000 Qantas Points upon settlement and a further 100,000 points anniversary of their settlement date (T&Cs apply)
What's not
  • $345 application fee
  • $150 loan processing fee
  • $345.40 settlement service fee
  • Other fees (including discharge fee) may also apply
Mozo snapshot

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.

key icon
Key features

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 Frequent Flyer 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, for up to a maximum of 30 years, and for up to 5 properties. 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.

Special offer: Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more if you submit an application before 18 July 2024. 

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. 

snapshot
Who is it good for

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.

question icon
Any catches

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. 

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$2,000,000

75.00%

90.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$3,000,000

none

75.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$3,000,000

none

75.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$2,000,000

75.00%

90.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$3,000,000

none

75.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$2,000,000

75.00%

90.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$3,000,000

none

75.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Details

Rates and fees information correct as at 20 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$495.00

n/a

n/a

$354.40

n/a

n/a

$325.00

Other financial bits

$300,000

$2,000,000

75.00%

90.00%

Features

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.

Receive 100,000 Qantas Frequent Flyer Points every year of the loan, up to 30 years for up to 5 properties.

Receive 50,000 Qantas Frequent Flyer Points up front for loans of $500,000 or more for applications submitted before 18 July 2024.

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.

Customer Reviews

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About Qantas Money

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

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6.04% p.a. variable

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The Better Home Loan (Special Offer)

6.14% p.a. variable

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Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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Home Value Loan

6.09% p.a. variable

6.09% p.a.

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6.29% p.a. variable

6.20% p.a.

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Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

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Variable

6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

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Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

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The Better Home Loan (Special Offer)

6.14% p.a. variable

6.14% p.a.

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Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for loans.com.au
loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

The Better Home Loan (Special Offer)

6.14% p.a.

6.14% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ANZ
ANZ

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.

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