QANTAS Money Offset Home Loan
For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.
- From (owner occupied)
- 6.03%
- 6.26% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.03% | 6.26% | LVR |
| Variable | 6.08% | 6.31% | LVR |
| Variable | 6.18% | 6.41% | LVR |
| Variable | 6.23% | 6.46% | LVR |
| Fixed · 1 year | 6.44% | 6.48% | LVR |
| Fixed · 3 years | 6.44% | 6.52% | LVR |
| Variable |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $150.00 |
| Application Fee | Upfront | $345.00 |
| Security Processing Fee | Upfront | $0.00 |
| Settlement Service Fee | Upfront | $345.40 |
| Monthly Service Fee Charged monthly | Ongoing | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
| Online Redraw Fee | Event | $0.00 |
| Manual Redraw Fee Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | Event | $0.00 |
| Duplicate Fee |
Features
- Offset account
- Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for QANTAS Money Home Loans must be in the same customer number as the home loan.
- Redraw facility
- Manual & Online redraw available
- Monthly repayments
- Extra repayments
- Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans
- Bonus rewards — 100000
- 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.
Eligibility
- Minimum age — 18 years
- Credit and Lending Criteria, Fees and Charges Apply
Constraints
- Minimum limit — $300,000.00
- Maximum LVR — 95%
More Information
Published by Qantas Money Home Loans under the Consumer Data Right · Last updated 16 July 2026 · Product ID 05df6a88-6161-4f02-a25c-cbbe05a16bae · View on CDR.gov.au