A person on their sofa holding a dog, celebrating their first variable rate home loan

Home Loans

OUR PRODUCTS

A Virgin Money home loan makes owning and investing in a property ultra rewarding. Points for paying your place off? That’s more like it.

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Earn points every month

Earn Virgin Money Points every month just for repaying your home loan on time16.

Virgin Money Rewards

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Wait less for yes

Get fast application decisions, plus support from our mobile bankers at every step.

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Manage on the go

Hold the phone. You can manage your home loan right from in the Virgin Money App.

Learn more

A more rewarding home loan awaits

Packed with features, stacked with rewards. A home loan that makes every dollar work harder for you with competitive rates and flexible options.

Variable rate offer
<b>Lite Home Loan - Variable Rate from</b>

Lite Home Loan - Variable Rate from

5.54% p.a.3

variable rate+

5.56% p.a.
comparison rate

Lite on fees but heavy on features, this streamlined home loan has everything you need (and nothing you don’t).

  • Earn Virgin Money Points every month16
  • Zero setup and no ongoing home loan fees
  • Make additional repayments and redraw at no extra cost

Enquire now See more on Lite

<b>Loaded Home Loan - Variable Rate from</b>

Loaded Home Loan - Variable Rate from

5.59% p.a.5

variable rate+

5.88% p.a.
comparison rate*

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

  • Earn Virgin Money Points at settlement and every month16
  • Split your home loan into variable, fixed or interest only
  • 100% interest offset across up to 10 Go accounts

Enquire now See more on Loaded

Fixed rate offer
<b> Lite Home Loan - Fixed 2 Year from</b>

Lite Home Loan - Fixed 2 Year from

5.14% p.a.4

fixed rate

5.48% p.a.
comparison rate*

Lite on fees, heavy on features. Lock in your rate for up to 5 years and take the guesswork out of repayments.

  • Earn Virgin Money Points every month16
  • Zero setup and no ongoing home loan fees
  • Make additional payments up to $10k per year13

Enquire now See more on Lite

<b>Loaded Home Loan - Fixed 2 Year from</B>

Loaded Home Loan - Fixed 2 Year from

5.14% p.a.6

fixed rate

5.84% p.a.
comparison rate*

Packed with perks. Earn points every month, plus enjoy the certainty of knowing exactly what’s due each month.

  • Earn Virgin Money Points at settlement and every month16
  • Option to lock in a fixed home loan rate for up to 5 years
  • Make additional payments up to $10k per year13

Enquire now See more on Loaded

A phone app with home loan customer rewards

Let’s get to the points

Virgin Money Rewards is our loyalty program designed for you. We want to recognise and reward you for who you are, and to help you create even better money habits. We're about rewarding banking experience every day, not just someday. 

Learn about rewards

G’bye rewardless home loan,
hello Virgin Money

Refinance to a more rewarding Virgin Money home loan to enjoy property ownership with a side of points and other perks.

  • Lock in a better rate and have more cash to splash (or stash)
  • Roll your debts into one neat and tidy repayment
  • Free up funds for that reno, new ride, or dream vacay
  • And earn Virgin Money Points every month16

Learn about refinancing

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The home loan rates and fees rundown

We keep our rates competitive and our fees to a minimum, because there’s nothing more rewarding than feeling like you got a great deal on your home loan. Apart from maybe all the points you’ll earn.   

Compare rates and fees

Banking calculators & tools 

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

CALCULATORS & TOOLS
How much can I borrow?

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

Calculate amount

CALCULATORS & TOOLS
How much can I save?

See how increasing or making extra repayments could help you pay off your home loan sooner.

Calculate saving

CALCULATORS & TOOLS
How much are repayments?

Calculate what your minimum loan repayments could look like with the amount you plan to borrow. 

Calculate repayment

Home loan support and FAQs

Here you'll find all your home loan questions answered!

Book symbolising learning about a Virgin Money home loan

  • What is redraw?

    Redraw gives you access to any extra repayments you've made on your variable rate home loan. By making additional repayments, you reduce your loan balance, which means paying less interest over time. And if you need to dip into those funds later, they’re there when you need them. If you have a fixed rate home loan you won't be able to access redraw during the fixed period. 

  • How do variable interest rates work?

    A variable interest rate is a rate that could move up and down at any time. The variable interest rate a bank offers could be affected by a number of factors, including the official cash rate set by the Reserve Bank of Australia (RBA) as well as higher or lower funding costs for the lender.

    You can use a Mortgage Repayment Calculator to estimate repayments and interest charges over the life of a loan.

  • What is a fixed rate?

    A fixed rate home loan is a mortgage where the interest rate is fixed for a set period of time. This means that your monthly repayments will remain the same during this period. 

  • What is Virgin Money Rewards?

    Virgin Money Rewards~ is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday.

  • How to access your account.

    You can access your account on the Virgin Money app.

    Download the Virgin Money app, or join online, and sign up in minutes. Literally.
    (Have your favourite type of Australian ID handy.)

  • How do I request a key fact sheet?

    You can access a key fact sheet here.

    • See more
Managing your home loan 

We’ve got you covered when it comes to handling all your home loan stuff, from how to change your repayments, to understanding your options, as well as heaps of other handy info. 

VIRGIN MONEY APP
Banking app features

Update your repayment amount or frequency, track your property equity and account transactions with just a swipe.

Check it out now

HOME LOANS
Variable rate home loan

Enjoy good things our variable rate home loan offers. The perfect combo of flexibility and competitive rates.

Check it out now

HOME LOANS
Fixed rate home loan

Our fixed rate home loan lets you enjoy the comfort of your chosen rate, long term. Lock in one of our best rates.

Check it out now

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.

Contact us

Find contact information including phone numbers and email addresses for general enquires and application 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.

General help | Home loan | Feedback

Find support, contact options & important information.

Contact us page

 

 

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