Qantas Money
QANTAS Money Basic Home Loan
For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.03% · 6.09% comparison
- Variable (investor P&I)
- 6.14%
- Fixed
- 1 yr 6.44% · 2 yrs 6.49% · 3 yrs 6.44% · 4 yrs 6.49% · 5 yrs 6.49%
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 36
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤80% LVR | 6.69% | 6.40% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤80% LVR | 6.74% | 6.44% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤80% LVR | 6.69% | 6.47% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤80% LVR | 6.74% | 6.51% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤80% LVR | 6.74% | 6.54% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.59% | 6.39% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.64% | 6.42% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.59% | 6.44% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤80% LVR | 6.64% | 6.48% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤80% LVR | 6.64% | 6.51% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 6.94% | 6.28% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 6.99% | 6.36% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 6.94% | 6.42% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤80% LVR | 6.99% | 6.50% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 6.99% | 6.56% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.44% | 6.23% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.49% | 6.27% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.44% | 6.28% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤80% LVR | 6.49% | 6.33% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.49% | 6.35% | — |
| Variable | Investment · Interest only | — | ≤50% LVR | 6.29% | 6.26% | — |
| Variable | Investment · Interest only | — | 50–60% LVR | 6.34% | 6.31% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.39% | 6.36% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.44% | 6.41% | — |
| Variable | Investment · P&I | — | ≤50% LVR | 6.14% | 6.21% | — |
| Variable | Investment · P&I | — | 50–60% LVR | 6.19% | 6.26% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.24% | 6.31% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.29% | 6.36% | — |
| Variable | Owner occupied · Interest only | — | ≤50% LVR | 7.09% | 6.55% | — |
| Variable | Owner occupied · Interest only | — | 50–60% LVR | 7.14% | 6.60% | — |
| Variable | Owner occupied · Interest only | — | 60–70% LVR | 7.24% | 6.64% | — |
| Variable | Owner occupied · Interest only | — | 70–80% LVR | 7.29% | 6.69% | — |
| Variable | Owner occupied · P&I | — | ≤50% LVR | 6.03% | 6.09% | — |
| Variable | Owner occupied · P&I | — | 50–60% LVR | 6.08% | 6.14% | — |
| Variable | Owner occupied · P&I | — | 60–70% LVR | 6.08% | 6.14% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.13% | 6.20% | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank Cheque Fee | Event | $10 | — | — |
| Default Fee | Event | $35 | — | — |
| Duplicate Fee | Event | $16.50 | — | — |
| Manual Redraw Fee | Event | No fee | — | Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking |
| Online Redraw Fee | Event | No fee | — | Charged when completing a redraw online |
| Variation Fee | Event | $250 | — | — |
| Discharge Administration Fee | Exit | $350 | — | — |
| Break Cost Fee | Other | $0 | — | Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Accou… |
| Monthly Service Fee | Periodic | No fee | Every 1 mo | This fee is charged to cover the regular administration and servicing required for your loan |
| Application Fee | Upfront | $345 | — | — |
| Establishment Fee | Upfront | $150 | — | — |
| Security Processing Fee | Upfront | No fee | — | — |
| Settlement Service Fee | Upfront | $345.40 | — | — |
§ 03 — Features
RedrawExtra repayments
- · Monthly repayments only
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $300,000 to no maximum
- · Maximum LVR 80%
- · Credit and Lending Criteria, Fees and Charges Apply
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Qantas Money Basic/Offset Home Loans under the Consumer Data Right, last changed by them on 23 Sept 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.