Choose a home loan that’s right for you

We make it clear and simple so you don’t feel like you’re missing out on a better deal. And we’ll even discount your interest rate based on the size of your home loan and loan-to-value ratio.

Variable home loan
Fixed home loan

KEY FEATURES

  • Discounted rate based on your LVR and loan size
  • 100% interest offset
  • Option to redraw (minimum $100)
  • Unlimited additional repayments

KEY FEATURES

  • No interest rate rises during the fixed term
  • Ability to rate lock4
  • Additional repayments up to a total of $10,000 anniversary of the fixed loan without incurring additional charges
  • Revert to a discounted variable rate upon expiry of your fixed rate
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FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

Additional fees apply

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

A fee of 0.15% of the fixed loan amount if you elect to rate lock4

Additional fees apply

VARIABLE HOME LOAN RATE

Variable rate from+
6.44% p.a.

Comparison rate from*
6.58% p.a.

Available for new owner occupied principal and interest loans with an LVR of 60% or less and total borrowings of $500,000 or more.

FIXED HOME LOAN RATE

Fixed rate from^
6.69% p.a.

Comparison rate from*
6.63% p.a.

Available for new owner occupied principal and interest loans with an LVR of 60% or less and total borrowings of $300,000 or more..

Enquire now

Tell me more

Enquire now

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Variable home loan

KEY FEATURES

Discounted rate based on your LVR and loan size

100% interest offset

Option to redraw (minimum $100)

Unlimited additional repayments

Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

Additional fees apply

VARIABLE HOME LOAN RATE

Variable rate from+
6.44% p.a.

Comparison rate from*
6.58% p.a.

Available for new owner occupied principal and interest loans with an LVR of 60% or less and total borrowings of $500,000 or more.

Enquire now

Tell me more

Fixed home loan

KEY FEATURES

No interest rate rises during the fixed term

Ability to rate lock4

Additional repayments up to a total of $10,000 anniversary of the fixed loan without incurring additional charges

Revert to a discounted variable rate upon expiry of your fixed rate

Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

A fee of 0.15% of the fixed loan amount if you elect to rate lock4

Additional fees apply

FIXED HOME LOAN RATE

Fixed rate from^
6.69% p.a.

Comparison rate from*
6.63% p.a.

Available for new owner occupied principal and interest loans with an LVR of 60% or less and total borrowings of $300,000 or more.

Enquire now

Tell me more


Discover the home loan interest rate that suits you

Whether you are looking to purchase a home, invest in a property or refinance your home loan, we have a loan that will suit your every need.

Find my home loan interest rate

Find the rate that's right for you and what your repayments could be with a Reward Me Home Loan. Rates displayed are for new borrowings only.

  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
    years
    What you need to know

    Find a home loan that's tailored to you

    I'm a first home buyer

    We’re here to help you find the right loan for your first home, get answers to all your questions and buy with confidence.

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    I'm an investor

    Looking to maximise your investments return? Use our investment calculator to help find the loan that’s right for you.

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    Fixed or Variable rates?

    We can certainly tell you about the pros and cons of both fixed and variable home loans, plus what to look out for.

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    Tools & support

    We love making things easy! So our handy tools and calculators will help you work out all the important stuff when it comes to home loans.

    View all our calculators

     

    Why choose Virgin Money?

    Award winning

    We don’t mean to boast, but we’ve picked up some awards, which shows we’re doing things right by our customers and they like what we’re doing.

    Transparency

    We keep our rates simple and easy, meaning you don’t miss out on a better deal.

    Value exchange

    We recognise and reward the value of our customers, with discounted variable rates based on the loan size and the loan-to-value ration (the size of your deposit).

    Redraw

    You can redraw on any additional repayments made from your variable loan at any time with no extra charges (minimum redraw $100).

    Astounding offset

    A companion account on all variable rate home loans that’ll help you offset your loan balance and reduce your interest.

    Lock it in (or part of it)

    Split your loan in to a variable and fixed portion. You’ll get the security of a low fixed rate for a portion of your loan and all the benefits and flexibility of a variable rate for the other portion.

     

    Ready to get started?    Enquire now   Call us on 13 81 51

     



    Let’s chat

    Enquire now

    Let us know what time suits you and we'll give you a call.

    You call us

    Chat to us today about a Reward Me Home Loan please call us on 13 81 51.
    We’re available Monday to Friday 8am – 5pm (AEST) excluding public holidays.

     
    • You’ll get the same awesome service every time you need to pick up the phone, with our Customer Care Team located right here in Australia.
    • We’re 100% owned by Bank of Queensland, one of Australia’s leading regional banks, so you can feel confident we’re here to support you for the long-term.