Home loan rates › Qantas Money Basic/Offset Home Loans
QANTAS Money Basic Home Loan
Qantas Money Basic/Offset Home Loans
CDR official
For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.79% | 6.63% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.65% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.70% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.77% | Fixed · 4 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.80% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.62% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.64% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.68% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.74% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.76% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.51% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.57% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.66% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.75% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.82% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.46% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.48% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.52% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.58% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.61% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.52% | Variable · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.57% | Variable · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.64% | 6.62% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.69% | 6.67% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.39% | 6.46% | Variable · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.51% | Variable · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.49% | 6.56% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.61% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.34% | 6.80% | Variable · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.39% | 6.85% | Variable · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.49% | 6.90% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.54% | 6.95% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.28% | 6.35% | Variable · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.33% | 6.40% | Variable · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.33% | 6.40% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.38% | 6.45% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546- Content hash
sha256 28793ed4cb6aa6495fb88491c2ad44bf08a57c934809642b9166356ef3fcce31- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_28793ed4cb6aa649_95706d20Show details
- Checked
- 1 Nov 2026
- URL
https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546- Content hash
sha256 28793ed4cb6aa6495fb88491c2ad44bf08a57c934809642b9166356ef3fcce31- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
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 | Periodic | $0.00 |
| Bank Cheque Fee | Event | $10.00 |
| Online Redraw Fee | Event | $0.00 |
| Manual Redraw Fee | 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 | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Manual & Online redraw available | |
| Other | Monthly repayments only | |
| Extra repayments | Unlimited additional repayments if variable, Max $20,000 per fixed term year without penalty. | |
| 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: min age | 18 | |
| Eligibility: other | Credit and Lending Criteria, Fees and Charges Apply | |
| Limit: min limit | 300000.00 | |
| Limit: max lvr | 0.8 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 6.54% | 6.52% |
| Variable · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.33% | 6.40% |
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 6.62% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.38% | 6.45% |
| Variable · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.28% | 6.35% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.24% | 6.75% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.49% | 6.90% |
| Variable · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 6.59% | 6.57% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.58% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.14% | 6.66% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.33% | 6.40% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 6.76% |
| Variable · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.44% | 6.51% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.61% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.63% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.49% | 6.56% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.64% | 6.62% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.24% | 6.82% |
| Variable · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.39% | 6.46% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.65% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 6.74% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 6.70% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.61% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.64% | 6.52% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.80% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 6.64% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.51% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.77% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.54% | 6.46% |
| Variable · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.39% | 6.85% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.68% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.67% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 6.95% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.57% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.54% | 6.48% |
| Variable · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.34% | 6.80% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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