Interest
6.13%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,040
LVR 70 to 80%
Qantas Money Home Loans Home Loan Rates
Online
Active products
48
Lowest variable
6.13%
Lowest fixed
6.44%
Lowest comparison
6.20%
Last updated
11 Sept 2026
Qantas Money Home Loans is a Qantas-branded home-loan offering, funded and serviced by Bendigo Bank's white-label home-loan platform. Borrowers earn Qantas Frequent Flyer points on settlement and ongoing balance, a unique reward structure not matched by any major bank.
What are Qantas Money Home Loans home loan rates?
Qantas Money Home Loans home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.13% p.a. and the lowest fixed rate currently 6.44% p.a., checked daily (last verified 11 Sept 2026). Compare Qantas Money Home Loans against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Qantas Money Home Loans home loan rate?
The lowest Qantas Money Home Loans variable home loan rate Ratesniffers tracks is 6.13% p.a., and the lowest fixed rate is 6.44% p.a. These figures come from the 48 Qantas Money Home Loans products on this page, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Qantas Money Home Loans offer?
Ratesniffers currently tracks 48 Qantas Money Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Qantas Money Home Loans home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.13% p.a. | 6.20% p.a. | 80% |
| Variable Owner-occupier P&I | 6.13% p.a. | 6.36% p.a. | 95% |
| Variable Investor P&I | 6.29% p.a. | 6.36% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.44% p.a. | 6.39% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.44% p.a. | 6.23% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.44% p.a. | 6.28% p.a. | 80% |
| Variable Investor interest-only | 6.44% p.a. | 6.41% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.44% p.a. | 6.45% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.49% p.a. | 6.43% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.49% p.a. | 6.49% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.49% p.a. | 6.27% p.a. | 80% |
| Fixed 4-year Owner-occupier P&I | 6.49% p.a. | 6.33% p.a. | 80% |
48 Qantas Money Home Loans home loan products
Interest
6.13%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,040
LVR 70 to 80%
Interest
6.29%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.29%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,190
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.59%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
6.99%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,323
LVR ≤80%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 70 to 80%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 70 to 80%
*Important Information and Comparison Rate Warning
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 based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Qantas Money Home Loans home loan repayment calculator
Pre-filled with Qantas Money Home Loans's lowest advertised variable rate in the table above, 6.13% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Qantas Money Home Loans's lowest variable today: 6.13%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,040
Fortnightly repayment
$1,403
Total interest
$594,281
30 years at 6.13% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Qantas Money Home Loans?
Qantas Money Home Loans is the airline's rewards-led digital home loan: alongside the rate, customers currently earn 100,000 Qantas Points every year for the life of the loan, an offer structure no conventional lender matches.
It is a digital product with Bendigo and Adelaide Bank behind the lending, aimed squarely at frequent flyers who will actually use the points.
Who suits a Qantas Money Home Loans home loan?
Qantas Money tends to suit frequent flyers with straightforward loans who can genuinely extract value from the annual points. The discipline is to value the points honestly (a point is typically worth around 1 to 2 cents used well) and add that to the rate comparison; if you wouldn't use them, a sharper headline rate in the table above beats the perk.
Background facts checked 21 July 2026. Rates above refresh independently.
Qantas Money Home Loans home loans: frequently asked questions
What are Qantas Money Home Loans home loan rates?
Qantas Money Home Loans home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.13% p.a., and the lowest fixed rate is 6.44% p.a., checked daily (last verified 11 Sept 2026). Compare Qantas Money Home Loans against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Qantas Money Home Loans balance, use /calculators/extra-repayment.
What is the lowest Qantas Money Home Loans home loan rate?
Qantas Money Home Loans's lowest variable home loan rate is currently 6.13% p.a., and its lowest fixed rate is 6.44% p.a., based on the 48 Qantas Money Home Loans products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Qantas Money Home Loans approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Qantas Money Home Loans home loan?
At Qantas Money Home Loans's lowest variable rate of 6.13% p.a., a $600,000 principal and interest loan over 30 years repays about $3,648 a month, and $500,000 about $3,040. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Qantas Money Home Loans home loan?
There is no single salary. Like every Australian lender, Qantas Money Home Loans must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.13% p.a. is assessed at about 9.13% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Qantas Money Home Loans's home loan rate compare to the market?
Qantas Money Home Loans's lowest variable home loan rate today is 6.13% p.a., which is 11 basis points below the market median of 6.24% p.a., which puts Qantas Money Home Loans among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Qantas Money Home Loans sits right now rather than a fixed snapshot.
How many home loan products does Qantas Money Home Loans offer?
Ratesniffers currently tracks 48 Qantas Money Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Qantas Money Home Loans competitive for refinancing?
It depends on your loan size and LVR. Qantas Money Home Loans's lowest comparison rate is currently 6.20% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Qantas Money Home Loans against the sharpest available rate usually pays off.
How often are Qantas Money Home Loans's home loan rates updated?
Ratesniffers refreshes Qantas Money Home Loans's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Qantas Money Home Loans reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.