Home Loans

We love making things easy! Our tools and calculators help you work out all the important home loan stuff.

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Buying a new property?

Get a full picture of your loan before buying your home. Compare options, calculate repayments or get an idea of how much you may be able to borrow.

How much can I borrow?

Calculate how much you may be able to borrow based on your income and other expenses.

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Compare home loans.

Understand the financial differences between a fixed rate home loan and a variable rate home loan.

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Mortgage Repayments.

Get an idea of what your minimum mortgage repayments could be based on loan amount, loan term and interest rate..

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Stamp duty.

Stamp duty varies between each state. Understand how much you may have to pay on the purchase of your home.

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Where can I buy?

Estimate how much you can borrow, see a list of affordable suburbs and compare median house or unit prices.

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Key fact sheet.

When considering a home loan, it's important to work out what you want from your loan and how much it will cost you.

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Already have a home loan?

Maximize the potential of your home loan by calculating the impact of extra repayments, lump sum payments, or splitting between variable and fixed options.

How much can I save?

Increasing or making extra repayments could help you pay off your home loan sooner.

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Lump sum repayment.

Find out how much time and interest you could you save by making a lump sum payment.

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Principal and interest.

Understand how repayments affect the principle and interest on your home loan.

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Split home loan.

Splitting your home loan into fixed and variable rate portions may provide you with  flexibility over your repayments.

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Contact us

Find contact information for general enquires and support.

13 81 51

General enquiries | Home loan & offset account

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

Get in touch

General help | Home loan | Feedback

Find support, contact options and important information.

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1800 701 997

General enquiries | FInancial Hardship Assistance

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

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13 81 51

General enquiries

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

Compare rates and fees

Manage your home loan

Help and Support

Financial Difficulty Assistance

Important stuff

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, AFSL and Australian Credit Licence 244 616 is the credit provider for the Lite and Loaded Home Loans.

Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (“Virgin Money Australia”) promotes and distributes the Reward Me home loans as an authorised credit representative of BOQ. Virgin Money Australia is a wholly-owned but non-guaranteed subsidiary of BOQ.

+Interest rates are current as at  29 August 2025 and are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.

*Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.

Terms, conditions, fees and charges apply. Applications are subject to credit approval. Participation in the Virgin Money Rewards Program is subject to Virgin Money Rewards Terms and Conditions.

View Virgin Money home loan key facts sheet