*To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time. Only the person listed as the Primary Borrower on the application will be eligible for Velocity Points, subject to meeting Virgin Money’s eligibility criteria.

¹ First Home Buyer(s) are customers who are eligible for a government First Home Owner Grant and/ or First Home Buyer government stamp duty concessions (refer to www.firsthome.gov.au for eligibility details) and who apply for a new Owner Occupier loan for the purchase of a property between 4 March and 31 May 2019 (inclusive) and settle by 30 August 2019.    

² All new customers who apply and are approved for a Virgin Money Reward Me home loan with LVR of 90% or below, between 4 March and 31 May 2019 (inclusive) and settle by 30 August 2019 will receive 2,000 Velocity Points for every full $10,000 drawn at settlement (normally 1,000 Velocity Points). For construction loans, Velocity Points will be paid after the first drawing (paid in $10,000 increments). LVR is the loan to valuation ratio of your loan. Velocity Points will be credited to the Primary borrower’s Velocity account only, up to 60 days after settlement.

³ 1,000 Velocity Points per loan account per month

⁴ Anniversary Points, currently 30,000 Velocity Points, are paid on every 3 year anniversary of the settlement date provided total borrowings are greater than $50,000 (net of any balances held in a linked offset facility). Points are only paid once regardless of the number of split borrowings a customer has with us and they must be a continuous Reward Me Home Loan customer during the period.

⁵ 304,000 Velocity Points over 6 years assumes you qualify for the Virgin Money limited time Double Settlement Points offer, your borrowings split across two loan accounts for the 6 year period, minimum aggregate net balance of at least $50,000 and earn rate remains the same for the period shown.

⁶ The quoted redemption fares are correct as at 14 December 2018 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Price is based on a one way or return economy Reward Seat fare or business Reward Seat fare as specified, and must be booked on the Velocity website. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed and are not eligible for Points earn. Price may vary until ticketed. All payments made by debit/credit card are subject to a payment surcharge. For Rewards Seat bookings on: (i) Virgin Australia operated flights; (ii) Delta Air Lines operated and marketed flights between Sydney and Los Angeles; or, (iii) Etihad Airways operated flights, a carrier charge will apply, view more information here. Add $40 or 5,200 Points for international short haul bookings or $70 or 8,800 Points for international long haul booking per person for bookings made on the phone. A checked baggage allowance is included in your fare, view Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. You may also be entitled to a refund under the Australian Consumer Law in certain circumstances. View the Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.

⁷ Special 2-year fixed rate of 3.68% per annum (comparison rate: 3.77% per annum) for Owner Occupier Principal and Interest loans with up to 90% LVR - To be eligible for this special 2 year fixed rate offer, customers must be First Home Buyer(s) and have an LVR of 90% or below (inclusive of LMI). Offer is not available to First Home Buyers applying for a construction loan.

⁸ Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of 80% or less. These rates are for secured lending only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and fees are subject to change without notice.

⁹ 20% LMI discount for eligible First Home Buyer home loans between 80.01-90% LVR. To be eligible for the 20% LMI discount (off Genworth’s standard rate card), customers must be a First Home Buyers special offers and have a base loan LVR between 80.01%-90%. The property being financed must be located in a metropolitan area and not be in a high density location (postcode restrictions apply).  Discount applied off Genworth’s standard rate card. Credit criteria, fees and charges, terms and conditions apply. Important Information: Notwithstanding the above eligibility criteria, Genworth Financial Mortgage Insurance Pty Limited, the issuer of the Lenders Mortgage Insurance, reserves the right to accept and approve LMI proposals in its absolute and sole discretion.

¹⁰ To be eligible for the First home Buyer’s $100 Gift card Offer, customers must be First Home Buyers and take up a new Virgin Money home and/ or contents insurance policy for the property they are financing before settlement. Customers who cancel the home and/ or contents insurance policy within 30 days of taking it out will not be eligible for the $100 gift card. Offer is only valid for one home and/ or contents insurance policy taken out before settlement. Provided the above conditions are met, a $100 VISA gift card will be sent to the primary borrower’s home address within 60 days of their policy being taken out. The $100 VISA gift card will be valid for 12 months from the time of activation and can be used for purchases of goods and services where VISA gift cards are accepted. Any ancillary costs associated with redeeming the pre-paid VISA card are not included. Any unused balance of the pre-paid VISA card will not be awarded as cash. Redemption of the VISA gift card is subject to any terms and conditions of the issuer, including those specified on the VISA gift card.

¹¹ 10,000 Velocity Points is available to new Virgin Home and/or Contents Insurance customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only valid if you purchase a Virgin Home and/or Contents policy online at virginmoney.com.au/home-and-contents and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Velocity Points will be credited to eligible Velocity Account's up to 60 days after policy commencement date. This offer is valid from 01 March 2016 to 31 December 2019 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance Velocity offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Home & Contents Insurance customers (including renewals).