Qantas Money Atlas Home Loans

Home loansLender updated 19 Oct 2026

At a glance

Variable (owner occ. P&I): 6.27%6.63% comparison
Variable (investor P&I): 6.42%
Fixed: 1 yr 7.20%, 2 yrs 7.25%, 3 yrs 7.25%, 4 yrs 7.25%, 5 yrs 7.27%
Max LVR: 80%
Features: offset, redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 6.36%

5.8%6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 6.37%Every other institution's lowest, 101 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	6.37%	5.69%AAA Financial Corporation's Portfolio Loan	6.36%of 102 institutions	52nd lowest of 102
1-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.30%	5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M	6.59%of 81 institutions	73rd lowest of 81
2-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.35%	6.09%BankVic's Fixed Rate Home Loan - 2 years	6.59%of 83 institutions	77th lowest of 83
3-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.35%	6.09%Border Bank's Customs Value Home Loan	6.69%of 79 institutions	73rd lowest of 79
5-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.37%	6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan	6.79%of 62 institutions	53rd lowest of 62
Investor variable home loanInvestment, principal & interest, 80% LVR	6.47%	5.69%AAA Financial Corporation's Portfolio Loan	6.58%of 102 institutions	26th lowest of 102, level with one other

Rates

Every rate Qantas Atlas Home Loans publishes for this home loan, 72 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

Variabletypical 6.36%6.37%
1 yr fixedtypical 6.59%7.30%
2 yrs fixedtypical 6.59%7.35%
3 yrs fixedtypical 6.69%7.35%
4 yrs fixed7.35%
5 yrs fixedtypical 6.79%7.37%

This home loanTypical lender's best

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

≤60%6.27%
60–70%6.32%
70–80%6.37%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	Investment, Interest only	1 yr fixed	≤60% LVR, $300,000–$3,500,000	7.50%	6.89%	-
Fixed	Investment, Interest only	1 yr fixed	60–70% LVR, $300,000–$3,500,000	7.55%	6.94%	-
Fixed	Investment, Interest only	1 yr fixed	70–80% LVR, $300,000–$3,500,000	7.60%	6.99%	-
Fixed	Investment, Interest only	2 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.55%	7.00%	-
Fixed	Investment, Interest only	2 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.60%	7.05%	-
Fixed	Investment, Interest only	2 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.65%	7.10%	-
Fixed	Investment, Interest only	3 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.55%	7.10%	-
Fixed	Investment, Interest only	3 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.60%	7.15%	-
Fixed	Investment, Interest only	3 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.65%	7.20%	-
Fixed	Investment, Interest only	4 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.55%	7.18%	-
Fixed	Investment, Interest only	4 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.60%	7.23%	-
Fixed	Investment, Interest only	4 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.65%	7.28%	-
Fixed	Investment, Interest only	5 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.57%	7.27%	-
Fixed	Investment, Interest only	5 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.62%	7.32%	-
Fixed	Investment, Interest only	5 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.67%	7.37%	-
Fixed	Investment, P&I	1 yr fixed	≤60% LVR, $300,000–$3,500,000	7.30%	6.88%	-
Fixed	Investment, P&I	1 yr fixed	60–70% LVR, $300,000–$3,500,000	7.35%	6.93%	-
Fixed	Investment, P&I	1 yr fixed	70–80% LVR, $300,000–$3,500,000	7.40%	6.98%	-
Fixed	Investment, P&I	2 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.35%	6.97%	-
Fixed	Investment, P&I	2 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.40%	7.02%	-
Fixed	Investment, P&I	2 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.45%	7.07%	-
Fixed	Investment, P&I	3 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.35%	7.06%	-
Fixed	Investment, P&I	3 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.40%	7.11%	-
Fixed	Investment, P&I	3 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.45%	7.16%	-
Fixed	Investment, P&I	4 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.35%	7.13%	-
Fixed	Investment, P&I	4 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.40%	7.18%	-
Fixed	Investment, P&I	4 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.45%	7.23%	-
Fixed	Investment, P&I	5 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.37%	7.21%	-
Fixed	Investment, P&I	5 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.42%	7.26%	-
Fixed	Investment, P&I	5 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.47%	7.31%	-
Fixed	Owner occupied, Interest only	1 yr fixed	≤60% LVR, $300,000–$3,500,000	7.60%	6.77%	-
Fixed	Owner occupied, Interest only	1 yr fixed	60–70% LVR, $300,000–$3,500,000	7.65%	6.81%	-
Fixed	Owner occupied, Interest only	1 yr fixed	70–80% LVR, $300,000–$3,500,000	7.70%	6.86%	-
Fixed	Owner occupied, Interest only	2 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.65%	6.90%	-
Fixed	Owner occupied, Interest only	2 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.70%	6.94%	-
Fixed	Owner occupied, Interest only	2 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.75%	7.00%	-
Fixed	Owner occupied, Interest only	3 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.65%	7.02%	-
Fixed	Owner occupied, Interest only	3 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.70%	7.06%	-
Fixed	Owner occupied, Interest only	3 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.75%	7.11%	-
Fixed	Owner occupied, Interest only	4 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.65%	7.12%	-
Fixed	Owner occupied, Interest only	4 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.70%	7.17%	-
Fixed	Owner occupied, Interest only	4 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.75%	7.22%	-
Fixed	Owner occupied, Interest only	5 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.67%	7.23%	-
Fixed	Owner occupied, Interest only	5 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.72%	7.27%	-
Fixed	Owner occupied, Interest only	5 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.77%	7.32%	-
Fixed	Owner occupied, P&I	1 yr fixed	≤60% LVR, $300,000–$3,500,000	7.20%	6.74%	-
Fixed	Owner occupied, P&I	1 yr fixed	60–70% LVR, $300,000–$3,500,000	7.25%	6.78%	-
Fixed	Owner occupied, P&I	1 yr fixed	70–80% LVR, $300,000–$3,500,000	7.30%	6.83%	-
Fixed	Owner occupied, P&I	2 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.25%	6.83%	-
Fixed	Owner occupied, P&I	2 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.30%	6.88%	-
Fixed	Owner occupied, P&I	2 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.35%	6.93%	-
Fixed	Owner occupied, P&I	3 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.25%	6.92%	-
Fixed	Owner occupied, P&I	3 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.30%	6.96%	-
Fixed	Owner occupied, P&I	3 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.35%	7.01%	-
Fixed	Owner occupied, P&I	4 yrs fixed	≤60.01% LVR, $300,000–$3,500,000	7.25%	7.00%	-
Fixed	Owner occupied, P&I	4 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.30%	7.04%	-
Fixed	Owner occupied, P&I	4 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.35%	7.09%	-
Fixed	Owner occupied, P&I	5 yrs fixed	≤60% LVR, $300,000–$3,500,000	7.27%	7.08%	-
Fixed	Owner occupied, P&I	5 yrs fixed	60–70% LVR, $300,000–$3,500,000	7.32%	7.13%	-
Fixed	Owner occupied, P&I	5 yrs fixed	70–80% LVR, $300,000–$3,500,000	7.37%	7.18%	-
Variable	Investment, Interest only	-	≤60% LVR, $300,000–$3,500,000	6.52%	6.78%	-
Variable	Investment, Interest only	-	60–70% LVR, $300,000–$3,500,000	6.57%	6.83%	-
Variable	Investment, Interest only	-	70–80% LVR, $300,000–$3,500,000	6.57%	6.83%	-
Variable	Investment, P&I	-	≤60% LVR, $300,000–$3,500,000	6.42%	6.78%	-
Variable	Investment, P&I	-	60–70% LVR, $300,000–$3,500,000	6.47%	6.83%	-
Variable	Investment, P&I	-	70–80% LVR, $300,000–$3,500,000	6.47%	6.83%	-
Variable	Owner occupied, Interest only	-	≤60% LVR, $300,000–$3,500,000	6.67%	6.67%	-
Variable	Owner occupied, Interest only	-	60–70% LVR, $300,000–$3,500,000	6.72%	6.71%	-
Variable	Owner occupied, Interest only	-	70–80% LVR, $300,000–$3,500,000	6.77%	6.76%	-
Variable	Owner occupied, P&I	-	≤60% LVR, $300,000–$3,500,000	6.27%	6.63%	-
Variable	Owner occupied, P&I	-	60–70% LVR, $300,000–$3,500,000	6.32%	6.68%	-
Variable	Owner occupied, P&I	-	70–80% LVR, $300,000–$3,500,000	6.37%	6.73%	-

Rate changes

8 changes logged, newest first.

Date	Rate	Was	Now	Change
20 Oct 2026	Variable, Investment, Interest only, ≤60% LVR, $300,000–$3,500,000	6.58%	6.52%	down 0.06
20 Oct 2026	Variable, Investment, Interest only, 60–70% LVR, $300,000–$3,500,000	6.63%	6.57%	down 0.06
20 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $300,000–$3,500,000	6.68%	6.57%	down 0.11
20 Oct 2026	Variable, Investment, P&I, ≤60% LVR, $300,000–$3,500,000	6.43%	6.42%	down 0.01
20 Oct 2026	Variable, Investment, P&I, 60–70% LVR, $300,000–$3,500,000	6.48%	6.47%	down 0.01
20 Oct 2026	Variable, Investment, P&I, 70–80% LVR, $300,000–$3,500,000	6.53%	6.47%	down 0.06
20 Oct 2026	Variable, Owner occupied, Interest only, ≤60% LVR, $300,000–$3,500,000	6.68%	6.67%	down 0.01
20 Oct 2026	Variable, Owner occupied, P&I, ≤60% LVR, $300,000–$3,500,000	6.28%	6.27%	down 0.01

Each change is logged the night it appears in the rates Qantas Money Atlas Home Loans publishes. See how every lender answered the RBA on the rate tracker.

Fees

7 fees published, grouped by when they're charged.

When you take it out$345Loan Application Fee
While you hold itNo fee published
When you close it or pay it off$535Discharge Administration Fee

When you take it out1

Loan Application Fee
$345

When particular things happen5

Fixed Rate Lock Fee
$690
Lender's Annual Facility Fee
$349
Solicitor Document Fee
$314
Loan Account Variation Fee
$150
Loan Facility Variation Fee
$300

When you close it or pay it off1

Discharge Administration Fee
$535

Features

Offset accountRedrawExtra repaymentsDigital bankingDigital wallet payments - Google Pay and Apple Pay

Flexible repayment options
Pay anyone, BPAY
Cash out

Eligibility and limits

Minimum age 18
Residency: Customer is either an Australian Citizen or a Permanent Resident of Australia
Available to individuals
Maximum LVR 80%
Minimum balance $3,500,000

Compare it with others

All home loans Other Qantas Money Atlas Home Loans home loans Everything Qantas Money Atlas Home Loans publishes

Put this product through a calculator

Published by Qantas Money Atlas Home Loans under the Consumer Data Right, last changed by them on 19 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.