Our home loans

Property & suburb reports

In the market for your first home, a new home or looking to sell your existing one? We’re here to help. Request your reports online today to get information on what a property is worth and relevant suburb insights.

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Our latest offer

$3,000 cashback offer

Get a little something back with $3,000 cashback38 when you refinance with us. T&Cs apply.

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Why Virgin Money Home Loans?

Our lowest rates yet

Interest rates are an important factor in most people's home loan decisions, but often it’s tricky to understand what rate you'll be able to get. 

We like to keep it simple and tell it like it is. We also like to recognise and reward your value to us, with discounted variable interest rates based on loan size and loan-to-value ratio.

Use our Home Loan Rate Finder tool to find the rate that's right for you and what your repayments could be with a Reward Me Home Loan.

Find out your applicable rate

Features & benefits

Competitive interest rates

Enjoy some of the lowest rates we've ever had. Plus we recognise and reward the value of our customers with discounted variable interest rates based on loan size and loan-to-value ratio.

Offset account

Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. Available on our variable and 1 year fixed rate loans. You can use it to offset your loan balance and reduce your interest.


If you're ahead of your minimum repayments, you can redraw those funds online at any time (minimum redraw amount $100) with no extra charges.

Split borrowings

You can split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.

Choose the right home loan for you

I'm a first home buyer

We’re here to help you buy your first home. Find the best first home buyer loan, get answers to all your questions and buy with confidence.

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It's time for my home renovation

Planning a home renovation? We’ll help you through it, from how to get a home renovation loan to how to avoid overcapitalisation.

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I'm moving home

Moving house? Find out about moving your home loan to your new house whether you’re moving up, moving down or just moving on.

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I'm building a new home

Planning on building a new house and looking for a construction loan? We've got the answers to help you take the next step.

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I want to refinance my home loan

Make sure your home loan is working for you. Explore your refinance home loan options, learn why it’s a good idea, when to do it and save.

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I'm an investor

Let us show you how to invest in property and maximise your return. Find the investment property loan that’s right for you.

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Get in touch

We'll call you

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Call us

If you’re ready to apply for a Reward Me Home Loan please call us on 13 81 51. We’re available Monday to Friday 8am – 6pm (AEST) excluding public holidays.

Important information

As we navigate through COVID-19 we’ve created an ‘Updates’ hub which we’ll continue to keep updated. 


We’ve answered questions you might have about the latest Virgin Australia news – what this means for Virgin Money, your Virgin Money products & your Velocity Points.


Manage your home loan

Get the most out of your home loan

Here's where you'll find everything that you need to set-up, use and manage your home loan.