Our Home Loan products

Lite Home Loan

Lite on the frills and heavy on the points. Virgin Money’s Lite Home Loan rewards you every month if repayments are made on time16 and comes with everything you need (and nothing you don’t).

competitive home loan rates Earn 1000 Virgin Money Points every month, just for making your repayments on time16.

competitive home loan rates Pay no annual fees so more money stays in your pocket.

competitive home loan rates Make unlimited additional repayments19 and access redraw during a variable rate period without paying fees.

Variable rate offer

Minimum $150k loan, up to 80% LVR

5.19% p.a.3

variable rate+

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5.21% p.a.

comparison rate*

 

Fixed 2 year offer

Min $20k loan, up to 80% LVR

4.99% p.a.3

fixed 2 year rate

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5.17% p.a.

comparison rate*

See more on Lite

Loaded Home Loan 

Loaded with features, flex and serious rewards. Beyond the points-earning potential, you’re also rewarded with more options and control.                                 

competitive home loan rates Virgin Money Points: Receive a generous settlement bonus and 2000 points for every monthly repayment after that.¹⁶

competitive home loan rates Save on interest: Link up to 10 Virgin Money accounts as offsets.

competitive home loan rates  Full flexibility: Choose a variable rate, fix for up to 5 years, or do both.                   

Variable rate offer

Min $400k loan, up to 60% LVR

5.34% p.a.5

variable rate+

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5.64% p.a.

comparison rate*

 

Fixed 2 year offer

Min $20k loan, up to 80% LVR

4.99% p.a.5

fixed 2 year rate

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5.81% p.a.

comparison rate*

See more on Loaded

Welcome to property ownership with a side of points

On top of great rates, flexibility and control, our home loans also reward you with things like bonus points at settlement and ongoing points just for making your monthly repayments on time16. Use our calculator to suss out your points-earning potential.

Learn about rewards

Based on a new 500k Loaded Home Loan

Earn points

100,000 pts at settlement
2,000 pts per borrower each month just for making your repayments on time

Redeem points

See what you earn

100,000 pts
$500.00

Refinancing has never been this rewarding

Looking to refinance? Then look no further, because not only could you be paying less fees and scoring a lower rate with a Virgin Money home loan, you’d be getting a hard-working home loan that rewards you with flexibility, control and best of all, regular helpings of points.

  • 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

A roller-skater wearing headphones bought with Virgin Money point rewards.

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?
  • How do I speak to someone about my existing home loan?
    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

    General enquiries | FInancial Hardship Assistance

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

    View support page

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.

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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.

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