---
title: "QANTAS Money Offset Home Loan — Qantas Money Home Loans"
description: "Home Loans from Qantas Money Home Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/qantas-money-home-loans/products/05df6a88-6161-4f02-a25c-cbbe05a16bae
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T10:13:49+10:00
---

# QANTAS Money Offset Home Loan — Qantas Money Home Loans

> Home Loans from Qantas Money Home Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Qantas Money**

For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.

## At a glance

- **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 ≤50% |
| Variable | 6.08% | 6.31% | LVR 50.01–60% |
| Variable | 6.08% | 6.31% | LVR 60.01–70% |
| Variable | 6.13% | 6.36% | LVR 70.01–80% |
| Variable | 6.28% | 6.51% | LVR 80.01–90% |
| Fixed · 1 year | 6.44% | 6.39% | LVR ≤80% |
| Fixed · 3 years | 6.44% | 6.45% | LVR ≤80% |
| Fixed · 2 years | 6.49% | 6.43% | LVR ≤80% |
| Fixed · 4 years | 6.49% | 6.49% | LVR ≤80% |
| Fixed · 5 years | 6.49% | 6.52% | LVR ≤80% |
| Fixed · 1 year | 6.64% | 6.54% | LVR 80.01–90% |
| Fixed · 1 year | 6.64% | 7.21% | LVR 90.01–95% |
| Fixed · 3 years | 6.64% | 6.61% | LVR 80.01–90% |
| Fixed · 3 years | 6.64% | 7.14% | LVR 90.01–95% |
| Fixed · 2 years | 6.69% | 6.59% | LVR 80.01–90% |
| Fixed · 2 years | 6.69% | 7.18% | LVR 90.01–95% |
| Fixed · 4 years | 6.69% | 6.66% | LVR 80.01–90% |
| Fixed · 4 years | 6.69% | 7.13% | LVR 90.01–95% |
| Fixed · 5 years | 6.69% | 6.69% | LVR 80.01–90% |
| Fixed · 5 years | 6.69% | 7.1% | LVR 90.01–95% |
| Variable | 7.03% | 7.25% | LVR 90.01–95% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 6.94% | 6.44% | LVR ≤80% |
| Fixed · 3 years | 6.94% | 6.58% | LVR ≤80% |
| Fixed · 2 years | 6.99% | 6.52% | LVR ≤80% |
| Fixed · 4 years | 6.99% | 6.65% | LVR ≤80% |
| Fixed · 5 years | 6.99% | 6.71% | LVR ≤80% |
| Variable | 7.09% | 6.7% | LVR ≤50% |
| Variable | 7.14% | 6.75% | 0 |
| Fixed · 1 year | 7.14% | 6.59% | LVR 80.01–90% |
| Fixed · 3 years | 7.14% | 6.74% | LVR 80.01–90% |
| Fixed · 2 years | 7.19% | 6.68% | LVR 80.01–90% |
| Fixed · 4 years | 7.19% | 6.82% | LVR 80.01–90% |
| Fixed · 5 years | 7.19% | 6.89% | LVR 80.01–90% |
| Variable | 7.24% | 6.8% | LVR 60.01–70% |
| Variable | 7.29% | 6.85% | LVR 70.01–80% |
| Variable | 7.54% | 7.04% | LVR 80.01–90% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.14% | 6.37% | LVR ≤50% |
| Variable | 6.19% | 6.42% | LVR 50.01–60% |
| Variable | 6.24% | 6.47% | LVR 60.01–70% |
| Variable | 6.29% | 6.52% | LVR 70.01–80% |
| Variable | 6.44% | 6.67% | LVR 80.01–90% |
| Fixed · 1 year | 6.59% | 6.55% | LVR ≤80% |
| Fixed · 3 years | 6.59% | 6.6% | LVR ≤80% |
| Fixed · 2 years | 6.64% | 6.59% | LVR ≤80% |
| Fixed · 4 years | 6.64% | 6.65% | LVR ≤80% |
| Fixed · 5 years | 6.64% | 6.67% | LVR ≤80% |
| Fixed · 1 year | 6.79% | 6.7% | LVR 80.01–90% |
| Fixed · 3 years | 6.79% | 6.77% | LVR 80.01–90% |
| Fixed · 2 years | 6.84% | 6.75% | LVR 80.01–90% |
| Fixed · 4 years | 6.84% | 6.81% | LVR 80.01–90% |
| Fixed · 5 years | 6.84% | 6.84% | LVR 80.01–90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.29% | 6.41% | LVR ≤50% |
| Variable | 6.34% | 6.46% | LVR 50.01–60% |
| Variable | 6.39% | 6.51% | LVR 60.01–70% |
| Variable | 6.44% | 6.56% | LVR 70.01–80% |
| Variable | 6.59% | 6.71% | LVR 80.01–90% |
| Fixed · 1 year | 6.69% | 6.55% | LVR ≤80% |
| Fixed · 3 years | 6.69% | 6.62% | LVR ≤80% |
| Fixed · 2 years | 6.74% | 6.6% | LVR ≤80% |
| Fixed · 4 years | 6.74% | 6.67% | LVR ≤80% |
| Fixed · 5 years | 6.74% | 6.69% | LVR ≤80% |
| Fixed · 1 year | 6.89% | 6.71% | LVR 80.01–90% |
| Fixed · 3 years | 6.89% | 6.78% | LVR 80.01–90% |
| Fixed · 2 years | 6.94% | 6.76% | LVR 80.01–90% |
| Fixed · 4 years | 6.94% | 6.83% | LVR 80.01–90% |
| Fixed · 5 years | 6.94% | 6.87% | LVR 80.01–90% |

## 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 | Event | $16.50 |
| Default Fee | Event | $35.00 |
| Variation Fee | Event | $250.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Break Cost Fee — Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Account balance in full; or • you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, that exceeds $20,000.00. | Other | From $0.00 |

## 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 from Qantas Money Home Loans

- [Overview](https://www.qantasmoney.com/home-loans)
- [Terms & conditions](https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/)
- [Fees & pricing](https://www.qantasmoney.com/home-loans)

## Data provenance

- Published by Qantas Money Home Loans under the Consumer Data Right
- Product ID: `05df6a88-6161-4f02-a25c-cbbe05a16bae`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qantas-money-home-loans/05df6a88-6161-4f02-a25c-cbbe05a16bae
- Provider page: https://www.cdrcompare.au/brands/qantas-money-home-loans
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000464

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/qantas-money-home-loans/products/05df6a88-6161-4f02-a25c-cbbe05a16bae) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)