Why you'll love our Qantas Points Home Loan


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"Refinanced without a hitch, great product and better service"

I have been banking with Qudos for savings for several years now, and recently decided to refinance the home through them. I was happy to find that not only was it a better rate than I was getting through CBA; but that it also included both redraw and offset facilities and Qantas Points.

Mitchell B from ProductReview.com.au



Apply if you

✓ are at least 18 years of age,

✓ are a citizen or permanent resident of Australia,

✓ are currently in paid employment,

✓ have not been bankrupt.


What's next? 

As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.

Where could your Qantas Points take you?

A home loan doesn't have to mean a staycation! Be rewarded with Qantas Points for the life of your loan, so you and your family can enjoy more travel and rewards.

*Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are accurate as at 4 November 2022 and are subject to change. Classic Flight Rewards are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) in addition to the points required. For more information, visit qantas.com/classicflightrewards

Explore more Qantas Points products

Maximise your Qantas Points with our Qantas Points Banking range!

Helpful Qantas Points information


Read our most frequently asked questions below.

We will accept your application by telephone, online or in person at one of our branches. Our Home Loan Application Checklist and Guide can help you through every step of the process. For more information view our Home Loan Application Process Page.

Once your loan is funded, your points are calculated at the end of each month and are generally credited to your Qantas Frequent Flyer account within 4 weeks.

Qantas points can be redeemed on a huge range of items. Spend your Qantas Points on flights and hotels to enjoy more travel for you and your family or be rewarded with a range of products available in the Qantas Marketplace.

Documents and forms

6.49 % p.a. Interest rate 6.49 % p.a. Comparison rate

T&Cs, fees, charges and lending criteria apply. Rates displayed above are available for new borrowings of $150,000 and over only, owner-occupied, principal and interest, deposits 20% or more.

How to apply?

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Helpful Tips and Guides


  • 1 Excludes existing loans, switching and variations. These offers can be withdrawn by Qudos Bank at any time. Rates displayed above are available for new borrowings of $150,000 and over only. Minimum deposit of 10%. For interest only loans, the rate shown is the rate that applies during the interest only period of your loan. At the end of the interest only period, the variable rate reverts to the interest rate applicable to a new principal and interest Qantas Points Home Loan with a deposit or equity of 20% or more, currently 6.49% for owner occupied loans and 6.69% for investment loans. Interest only available for 1 to 5 years and is subject to approval.
  • 2 WARNING: This comparison rate applies 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. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.

3 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 qantas.com/joinffqudos. 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 qantas.com/terms. 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.

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.

4 Rate applies to term deposits account opened during the term of your Qantas Points Home Loan. Special terms of 3, 6, 9 and 12 months are available and are upon request.

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

Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services.

Canstar Outstanding Value – Home Lender – 2024 awarded for Outstanding Value across all P&I owner occupier profiles