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Compare qantas frequent flyer card home loans

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Bundled home loans allow you to combine a number of different financial products from the same supplier. One of these specialist home loans presents an opportunity to make the most of your spending through a rewards program. Home loans with a free Qantas Frequent Flyer credit card can help you to maximise the benefits you get back. For example, when you use your credit card for certain purchases from particular outlets, you earn Qantas Points. You can accumulate and then redeem these points for one or more of an impressive range of rewards.

Why earn Qantas Points through a home loan?

If you’re not necessarily a big spender when it comes to using credit cards, but you are a frequent flyer, there’s a home loan that earns Qantas Points simply by repaying your loan. As long as your loan terms qualify and you keep your balance over the minimum required you will regularly receive Qantas Points. With a growing balance you will be able to access a whole host of benefits, including travel insurance, Qantas hotels, flights and upgrades, Qantas epiQure and purchases from the Qantas store. As you make your loan repayments, you can watch your points grow.

People who invest in property are often attracted by schemes that earn frequent flyer points, however, everyone can benefit from these types of home loans with a free Qantas Frequent Flyer credit card, providing your financial and personal situation is suitable.

How do you earn Frequent Flyer points?

Different lenders may have schemes that vary slightly, however, the structure may look something like this: 

Every amount you draw down at settlement earns a reward of 10 per cent of its value in Qantas Points. For example if you draw $500,000, you get 50,000 Qantas Points. While the outstanding loan balance is equal to or more than an amount fixed by the lender, you will receive an additional 1,000 Qantas Points on a monthly basis. On the third and fifth anniversaries of your loan, as long as the balance is equal to or more than the amount fixed by the lender, you get an extra 25,000 bonus Qantas Points.

When your loan is approved, you may also be entitled to an additional credit card through which you can also earn Qantas Points. As a member of the Qantas Frequent Flyer program, your points will accrue in your personal frequent flyer account.

What are the rewards and risks?

The ability to use rewards points to pay for airline fares is a definite plus, whether you usually fly business. If you don’t travel often, you can still redeem your Qantas Points for a variety of items sold by business partners that subscribe to the rewards program.

If you accumulate points but never get around to using them, they have effectively been wasted. Be sure to use the points within the given period to ensure they don’t lapse.

FAQs

A line of credit, also known as a home equity loan, is a type of mortgage that allows you to borrow money using the equity in your property.

Equity is the value of your property, less any outstanding debt against it. For example, if you have a $500,000 property and a $300,000 mortgage against the property, then you have $200,000 equity. This is the portion of the property that you actually own.

This type of loan is a flexible mortgage that allows you to draw on funds when you need them, similar to a credit card.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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