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Qantas Points Home Loan

With a competitive rate and great features & benefits, you could be flying to your dream destination sooner than you think with our Qantas Points Home Loan!

4.04% pa
Interest Rate^

4.04% pa
Comparison Rate#

We're here to help you find the right home loan

Call us on 1300 747 747 and we can
help to answer your questions.

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Speak with with a home loan specialist
at a time and location that suits you.

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in touch once we receive your application.

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Features & Benefits

  • $0 bank fees for established homes
  • Earn 150 Qantas Points1 per annum for every $1000 of your loan balance, credited monthly (use our rewards calculator to find out more)
  • Free 100% offset account
  • Construction loan available2
  • Complimentary 15% discount on Allianz Home and Contents Insurance3

This is one of 4 products we offer which allows you to earn Qantas Points. To see how you can maximise your Qantas Points, check out our rewards calculator.


  View all Owner Occupied interest rates
New loans $150,000 and above Interest Rate Comparison Rate#
20% deposit or more 4.04% pa 4.04% pa
At least 10% but less than 20% deposit 4.14% pa 4.14% pa

If you have less than 10% deposit, please refer to our Variable Rate Home Loan

  View all Investment interest rates
New loans $150,000 and above Interest Rate Comparison Rate#
20% deposit or more 4.69% pa 4.69% pa
At least 10% but less than 20% deposit 4.79% pa 4.79% pa

If you have less than 10% deposit, please refer to our Variable Rate Home Loan


Calculate your repayments


  Documents & Forms
  Important Information

Loans are subject to approval. Normal lending criteria and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

Minimum deposit 10%. For more information on home loans with a deposit of less than 10% please call 1300 747 747.

^ Rate based on applications for new owner occupied home loans for establlished homes over $150,000 with a deposit of 20% or more received from 21 November 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

1. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

2. A $600 establishment fee applies to construction loans. For more information and interest rates, please call 1300 747 747.

3. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL No. 234 708. ABN 53 087 650 557 arranges this insurance as an agent for Allianz not as your agent. Product Disclosure Statement is available by calling 1300 747 747. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the Product Disclosure Statement and Financial Services Guide (FSG) before deciding whether to acquire any product mentioned. Ask us for more details. Discount applies to first year’s premium when purchased at time of funding. No other discounts apply. The discount may be subject to rounding. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging between 10 - 30%.

#WARNING: Comparison rates apply 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. A loan for an established home of $150,000 with a 20% or more deposit, a term of 25 years and a monthly repayment frequency have been used to calculate our comparison rate. For the comparison rate on construction loans please call 1300 747 747.

Qudos Bank is the issuer, offeror and administrator of the Qudos Bank Qantas Points Banking products and is a credit provider and credit licensee under National Consumer Credit laws.

Before opening this home loan with us, you should read the Qantas Points Banking Terms and Conditions, our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 24 July 2018.



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