Velocity Points

Choose the rewarding home loan that's right 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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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 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 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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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 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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Turn your dream home into your dream holiday

With a Reward Me Home Loan you’ll receive ongoing Points for the life of your loan. Time to start packing.

Find your rate

Home Loan Rate Finder

Find the rate that's right for you and what your repayments could be with a Reward Me Home Loan.

  1. Step 1
  2. Step 2 (optional)
  1. Purpose of home loan
  2. Repayment method
  3. My deposit
  4. Property price
  5. Rate type
  6. Loan term
    What you need to know

    The repayments quoted in this calculator are based on the inputs that you have populated and should be used as a guide only. The estimated repayment amount does not include any fees or charges.

    When calculating repayments for a variable interest rate, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.

    The repayments quoted for fixed interest rates are only applicable for the duration of the initial fixed rate period. Once the fixed rate period expires, the loan reverts to a variable rate loan and repayment amounts will change. For interest only loans, once the interest only period expires, the loan will revert to the applicable variable rate loan for the remainder of the loan term.

    How do you earn Velocity Points?


    10,000 Velocity Points for every $100,000 drawn at settlement.6


    A further 1,000 Velocity Points every month (per loan account).5


    Receive 30,000 Velocity Points every 3 years3 you are a continuous Reward Me Home Loan customer, when your loan balance remains above $50,000.

    Features & benefits

    Competitive interest rates

    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.

    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.


    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.

    No application fees

    There are no application fees on our variable rate loan. For other key fees and charges applying to your loan, refer to our Fees and Charges section below.

    Get the most out of your home loan

    Virgin Money Home Loans - Managing your home loan is easy

    Managing your home loan is easy

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

    Find out more 

    Virgin Money Home Loans - Rewards and benefits

    Rewards and benefits

    Our Reward Me Home Loan is built to reward and thank you for your loyalty.

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    Talk to us

    We'll call you

    Enter your details and we'll call you back.

    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.

    Meet with us

    Get in touch with a mortgage broker.