OnlineQANTAS Money Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.20%p.a.
Monthly repayment
$3,040
LVR 70–80%
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
28 July 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 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, refreshed daily (last updated 28 July 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
OnlineOnlineQANTAS Money Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.36%p.a.
Monthly repayment
$3,040
LVR 70–80%
OnlineQANTAS Money Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.36%p.a.
Monthly repayment
$3,092
LVR 70–80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR 70–80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.45%p.a.
Monthly repayment
$3,141
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.52%p.a.
Monthly repayment
$3,092
LVR 70–80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Monthly repayment
$3,157
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.56%p.a.
Monthly repayment
$3,141
LVR 70–80%
OnlineQANTAS Money Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.60%p.a.
Monthly repayment
$3,190
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
—
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.65%p.a.
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.67%p.a.
Monthly repayment
$3,207
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
—
Monthly repayment
$3,240
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
—
Monthly repayment
$3,306
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Basic Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR ≤80%
OnlineQANTAS Money Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.29%p.a.
Comparison*
—
Monthly repayment
$3,424
LVR 70–80%
OnlineQANTAS Money Basic Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
7.29%p.a.
Comparison*
—
Monthly repayment
$3,424
LVR 70–80%
Negotiate Qantas Money Home Loans rates with a broker
Advertised rates aren't always the rate Qantas Money Home Loans actually approves. Our broker negotiates against your specific scenario, no fee.
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 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, refreshed daily (last updated 28 July 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.
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 4 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Qantas Money Home Loans to match a lower rate. 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 refreshed daily 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 28 July 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.
Qantas Money Home Loans rates by borrower and loan type
The same Qantas Money Home Loans panel, filtered to the scenario you're actually shopping for.
- Qantas Money Home Loans owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Qantas Money Home Loans investor ratesInvestment lending, interest-only where offered.
- Qantas Money Home Loans refinance ratesRefinance-eligible products versus your current rate.
- Qantas Money Home Loans first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Qantas Money Home Loans fixed rates1 to 5-year terms where available.
- Qantas Money Home Loans variable ratesFlexible repayments, offset-compatible products.
- Qantas Money Home Loans interest-only ratesIO terms, mostly investor products.
- Qantas Money Home Loans offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.