Rates and Fees

Packed with perks, loaded with rewards and built to flex with you. Compare home loans and see what's possible.

Choose a home loan that fits

We make things simple, especially when it comes to home loan comparisons, so you know you’re getting the right deal for you.

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Lite Home Loan

Loaded Home Loan

Rate {grey-cell}
Variable rate20 from

{hlx-rates || 98026 || Rate} % p.a.3

Minimum $150k loan, up to 80% LVR
Variable rate20 from

{hlx-rates || 98049 || Rate}% p.a.5

Minimum $150k loan, up to 60% LVR
Comparison {grey-cell}
Comparison rate21

{hlx-rates || 98026|| Comparison Rate}% p.a.

Comparison rate21

{hlx-rates || 98049 || Comparison Rate}% p.a.

Eligibility {grey-cell}
Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 80% LVR11.
Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $400K, max 60% LVR11.
Annual fee {grey-cell}
$0

$295 p.a.

Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.

Valuation fee
We will cover the valuation costs up to $300
We will cover the valuation costs up to $300
Earn Virgin Money Points {grey-cell}
Earn 1,000 points per borrower each month just for making your repayments on time.16

Earn 100,000 points at settlement.

Earn 2,000 points per borrower each month just for making your repayments on time.16

Based on a new $500k Loaded Home Loan

Offset {grey-cell}
N/A
100% interest offset with a Go account
Redraw {grey-cell}
Option to redraw on variable rate home loans
Option to redraw on variable rate home loans
Repayments {grey-cell}
Unlimited additional repayments on variable rate home loans
Unlimited additional repayments on variable rate home loans

Owner Occupier

Found a place you want to call home? Check out our competitive Owner Occupier rates.

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Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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Owner Occupier - Variable

>$150K

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Owner Occupier - Fixed

LVR 0% to 60%

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Owner Occupier - Fixed

LVR 60.01% to 70%

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Owner Occupier - Fixed

LVR 70.01% to 80%

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Owner Occupier - Fixed

LVR 80.01% to 90%

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Owner Occupier - Fixed

LVR 90.01% to 95%

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Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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Owner Occupier - Variable

>$150K - $400K

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Owner Occupier - Variable

>$400K - $700K

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Owner Occupier - Variable

>$700K +

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Owner Occupier - Fixed

LVR 0% to 60%

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Owner Occupier - Fixed

LVR 60.01% to 70%

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Owner Occupier - Fixed

LVR 70.01% to 80%

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Owner Occupier - Fixed

LVR 80.01% to 90%

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Owner Occupier - Fixed

LVR 90.01% to 95%

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Loaded Home Loan

Investor

Buying or refinancing a place to rent out? Make property investing even more rewarding with a Virgin Money Home Loan.

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Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Investor - Variable

<$150K

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Investor - Variable

>$150K

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Investor - Fixed

LVR 0% to 60%

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Investor - Fixed

LVR 60.01% to 70%

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Investor - Fixed

LVR 70.01% to 80%

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Investor - Fixed

LVR 80.01% to 90%

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Investor - Fixed

LVR 90.01% to 95%

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Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Investor - Variable

<$150K

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Investor - Variable

>$150K - $400K

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Investor - Variable

>$400K - $700K

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Investor - Variable

>$700K +

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Investor - Fixed

LVR 0% to 60%

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Investor - Fixed

LVR 60.01% to 70%

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Investor - Fixed

LVR 70.01% to 80%

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Investor - Fixed

LVR 80.01% to 90%

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Investor - Fixed

LVR 90.01% to 95%

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Loaded Home Loan

Want to talk to a home loan specialist?

Our experts have got your back. They’re on hand to guide you through every step of the journey.

Enquire now

Key upfront fees

Find out about fees for Virgin Money Lite Home Loan or Loaded Home Loans.{sub-heading}

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Lite Home Loan

Loaded Home Loan

Annual fee
$0
$295 p.a. payable for the first time on the settlement date and then on or about every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded Home Loan held in the same name(s) and capacity.
Settlement fee
$150 - Payable for completing settlement of your loans.
$150 - Payable for completing settlement of your loans.
Valuation fee
We will cover the valuation costs up to $300.
We will cover the valuation costs up to $300
Rate Lock
$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
Government fees and charges
These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.
These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Depending on how you use your loan, you may have to pay other fees and charges.

Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. Existing customers can view interest rates and find support here.

The home loan information rundown

Important Information

A full list of important information that could apply to your home loan along with terms and conditions.

See important information

Base Rates

View our base rates.

View base rates

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Contact us

Find support, contact details & important information.{sub-heading}

View all contact information

Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

Enquire now

13 81 51

General enquiries | Home loan & offset account

Monday to Friday 8am - 6pm (AEST/AEDT)
Saturday 8am - 5pm (AEST/AEDT)
Excluding public holidays.

1800 701 997

Financial Hardship Assistance

Monday to Friday 8.30am - 5pm (AEST/AEDT)
Excluding public holidays.

View support page

Important Information

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