Finty
Qantas Atlas Home Loans

Qantas Atlas Home Loans Money Atlas Home Loans

Variable or Fixed rateOffsetRedraw

A home loan from Qantas Atlas Home Loans with variable and fixed rates from 6.27% a year.

Written byDavid Boyd
Interest rate a year, from
6.27%
Comparison rate
6.63%
Upfront fees
$345
Annual fee
Not published
Monthly fee
Not published

Monthly repayment

$600,000 over 30 years

What it would cost

At the lowest rate of 6.27% (variable, live in, principal and interest). The rate you are offered depends on your deposit and the loan you choose, and upfront fees are not included.

Monthly repayment
$3,702
Total repayments
$1,332,760
Interest
$732,760

Rates

Every rate Qantas Atlas Home Loans publishes for this loan. LVR is the loan as a share of the property's value: 80% for a 20% deposit.

RatePropertyRepaymentsLVRInterest rateComparison rate
VariableLive inPrincipal and interestUp to 60%6.27%6.63%
VariableLive inPrincipal and interest60% to 70%6.32%6.68%
VariableLive inPrincipal and interest70% to 80%6.37%6.73%
VariableLive inInterest onlyUp to 60%6.67%6.67%
VariableLive inInterest only60% to 70%6.72%6.71%
VariableLive inInterest only70% to 80%6.77%6.76%
VariableInvestmentPrincipal and interestUp to 60%6.42%6.78%
VariableInvestmentPrincipal and interest60% to 70%6.47%6.83%
VariableInvestmentPrincipal and interest70% to 80%6.47%6.83%
VariableInvestmentInterest onlyUp to 60%6.52%6.78%
VariableInvestmentInterest only60% to 70%6.57%6.83%
VariableInvestmentInterest only70% to 80%6.57%6.83%
1 year fixedLive inPrincipal and interestUp to 60%7.20%6.74%
1 year fixedLive inPrincipal and interest60% to 70%7.25%6.78%
1 year fixedLive inPrincipal and interest70% to 80%7.30%6.83%
1 year fixedLive inInterest onlyUp to 60%7.60%6.77%
1 year fixedLive inInterest only60% to 70%7.65%6.81%
1 year fixedLive inInterest only70% to 80%7.70%6.86%
1 year fixedInvestmentPrincipal and interestUp to 60%7.30%6.88%
1 year fixedInvestmentPrincipal and interest60% to 70%7.35%6.93%
1 year fixedInvestmentPrincipal and interest70% to 80%7.40%6.98%
1 year fixedInvestmentInterest onlyUp to 60%7.50%6.89%
1 year fixedInvestmentInterest only60% to 70%7.55%6.94%
1 year fixedInvestmentInterest only70% to 80%7.60%6.99%
2 year fixedLive inPrincipal and interestUp to 60%7.25%6.83%
2 year fixedLive inPrincipal and interest60% to 70%7.30%6.88%
2 year fixedLive inPrincipal and interest70% to 80%7.35%6.93%
2 year fixedLive inInterest onlyUp to 60%7.65%6.90%
2 year fixedLive inInterest only60% to 70%7.70%6.94%
2 year fixedLive inInterest only70% to 80%7.75%7.00%
2 year fixedInvestmentPrincipal and interestUp to 60%7.35%6.97%
2 year fixedInvestmentPrincipal and interest60% to 70%7.40%7.02%
2 year fixedInvestmentPrincipal and interest70% to 80%7.45%7.07%
2 year fixedInvestmentInterest onlyUp to 60%7.55%7.00%
2 year fixedInvestmentInterest only60% to 70%7.60%7.05%
2 year fixedInvestmentInterest only70% to 80%7.65%7.10%
3 year fixedLive inPrincipal and interestUp to 60%7.25%6.92%
3 year fixedLive inPrincipal and interest60% to 70%7.30%6.96%
3 year fixedLive inPrincipal and interest70% to 80%7.35%7.01%
3 year fixedLive inInterest onlyUp to 60%7.65%7.02%
3 year fixedLive inInterest only60% to 70%7.70%7.06%
3 year fixedLive inInterest only70% to 80%7.75%7.11%
3 year fixedInvestmentPrincipal and interestUp to 60%7.35%7.06%
3 year fixedInvestmentPrincipal and interest60% to 70%7.40%7.11%
3 year fixedInvestmentPrincipal and interest70% to 80%7.45%7.16%
3 year fixedInvestmentInterest onlyUp to 60%7.55%7.10%
3 year fixedInvestmentInterest only60% to 70%7.60%7.15%
3 year fixedInvestmentInterest only70% to 80%7.65%7.20%
4 year fixedLive inPrincipal and interestUp to 60%7.25%7.00%
4 year fixedLive inPrincipal and interest60% to 70%7.30%7.04%
4 year fixedLive inPrincipal and interest70% to 80%7.35%7.09%
4 year fixedLive inInterest onlyUp to 60%7.65%7.12%
4 year fixedLive inInterest only60% to 70%7.70%7.17%
4 year fixedLive inInterest only70% to 80%7.75%7.22%
4 year fixedInvestmentPrincipal and interestUp to 60%7.35%7.13%
4 year fixedInvestmentPrincipal and interest60% to 70%7.40%7.18%
4 year fixedInvestmentPrincipal and interest70% to 80%7.45%7.23%
4 year fixedInvestmentInterest onlyUp to 60%7.55%7.18%
4 year fixedInvestmentInterest only60% to 70%7.60%7.23%
4 year fixedInvestmentInterest only70% to 80%7.65%7.28%
5 year fixedLive inPrincipal and interestUp to 60%7.27%7.08%
5 year fixedLive inPrincipal and interest60% to 70%7.32%7.13%
5 year fixedLive inPrincipal and interest70% to 80%7.37%7.18%
5 year fixedLive inInterest onlyUp to 60%7.67%7.23%
5 year fixedLive inInterest only60% to 70%7.72%7.27%
5 year fixedLive inInterest only70% to 80%7.77%7.32%
5 year fixedInvestmentPrincipal and interestUp to 60%7.37%7.21%
5 year fixedInvestmentPrincipal and interest60% to 70%7.42%7.26%
5 year fixedInvestmentPrincipal and interest70% to 80%7.47%7.31%
5 year fixedInvestmentInterest onlyUp to 60%7.57%7.27%
5 year fixedInvestmentInterest only60% to 70%7.62%7.32%
5 year fixedInvestmentInterest only70% to 80%7.67%7.37%

Comparison rates are for an example loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example 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 features

Fees

Upfront fees
$345
Annual fee
Not published
Monthly fee
Not published

Features

Offset account
Yes
Redraw
Yes
Highest LVR
80%
Loan amount
Not published

How it compares

Against the other home loans we compare, for a home you live in with a 20% deposit. Typical means the middle half of them.

Variable rate

6.37%

For a home you live in, paying principal and interest. Typical is 6.62%.

Comparison rate

6.73%

For the same rate. Typical is 6.70%.

Upfront fees

$345

Typical upfront fees are $600.

Smallest deposit

20%

Most loans need at least 10% of the price.

Pros and cons

Pros

  • An offset account. Money in it is taken off your balance when interest is worked out, so your savings and pay cut the interest while staying easy to reach.
  • Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
  • Redraw. You can take back extra repayments later if you need the money.
  • No early repayment fee listed. You can pay the loan off early, or refinance, without a penalty. Check the terms to be sure.
  • Fixed rates on offer. You can fix for 1 to 5 years if you'd like repayments that don't change for a while.
  • Interest only available. Some investors use it to keep repayments down for a few years, though the balance doesn't fall in that time.

Cons

Nothing stands out.

Similar home loans

Home loans from other lenders with a similar starting variable rate, for a home you live in with a 20% deposit.