Loaded Home Loan

Our full-featured home loan that’s loaded with flexibility, control, and money-saving options like offset. And don’t get us started on the rewards. 

Variable rate offer

5.34% p.a.5

variable rate+

5.64% p.a.

comparison rate*

5Available for new owner occupier, principal and interest loans, min loan size $400K, max 60% LVR11.

Enquire now

Fixed 2 year offer

4.99% p.a.6

fixed 2 year rate

5.81% p.a.

comparison rate*

6Available for new 2yr fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR11.

Enquire now

Money bag icon symbolising saving on interest with an offset account

100% interest offset

Earn points while paying less interest. Up to 10 linked Virgin Money Go offset accounts.

Find out more

Speedometer icon to symbolise paying off your home loan quickly

Make extra repayments

Make repayments anytime, fee-free with no limits and withdraw them whenever13.

Find out more

A phone app with home loan customer rewards

Repayments = Rewards

Score Virgin Money Points at settlement and then every month after15.

Virgin Money Rewards

Our Loaded Home Loan rewards you on the reg

On top of more features and flex, our Loaded Home Loan also rewards you with bonus points at settlement and ongoing points just for making your monthly repayments on time15. Use our calculator to suss out your points-earning potential.

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
Enquire now

Loaded home loan rates and fees

We make it clear and simple so you don’t feel like you’re missing out on a better deal. See our full list of fees and charges that could apply or to compare interest rates.

 

Owner occupied

Buying or refinancing your principal place of residence? A Loaded home loan is your principal place of great rates and rewards.

  • Owner Occupier - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $50,000.00

    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 7.63 7.90 7.44% 7.72%
    60.01% to 80% 7.75 8.02 7.44% 7.72%
    80.01% to 90% 7.61 7.88 7.44% 7.72%
    Over 90.01% 7.96 8.23 7.44% 7.72%
    INTEREST ONLY
    Less than or equal to 60% 8.21 8.17 8.04% 7.99%
    60.01% to 80% 8.21 8.24 8.04% 7.99%
  • Owner Occupier - Variable
    >$150K - $400K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.34 5.64 7.44% 7.72%
    60.01% to 80% 5.39 5.69 7.44% 7.72%
    80.01% to 90% 5.64 5.93 7.44% 7.72%
    Over 90.01% 7.41 7.69 7.44% 7.72%
    INTEREST ONLY
    Less than or equal to 60% 7.12 6.42 8.04% 7.99%
    60.01% to 80% 7.12 6.45 8.04% 7.99%
  • Owner Occupier - Variable
    >$400K - $700K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.34 5.64 7.44% 7.72%
    60.01% to 80% 5.39 5.69 7.44% 7.72%
    80.01% to 90% 5.64 5.93 7.44% 7.72%
    Over 90.01% 7.41 7.69 7.44% 7.72%
    INTEREST ONLY
    Less than or equal to 60% 7.12 6.42 8.04% 7.99%
    60.01% to 80% 7.12 6.45 8.04% 7.99%
  • Owner Occupier - Variable
    >$700K +
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.34 5.64 7.44% 7.72%
    60.01% to 80% 5.39 5.69 7.44% 7.72%
    80.01% to 90% 5.64 5.93 7.44% 7.72%
    Over 90.01% 7.41 7.69 7.44% 7.72%
    INTEREST ONLY
    Less than or equal to 60% 7.12 6.42 8.04% 7.99%
    60.01% to 80% 7.12 6.45 8.04% 7.99%
  • Owner Occupier - Fixed
    LVR Less than or equal to 60%

    Please note: The minimum amount that may be borrowed is $20,000.00

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  5.64% 5.89% 7.69% 7.88%
    2 Year  4.99% 5.77% 7.44% 7.83%
    3 Year  5.14% 5.76% 7.29% 7.77%
    4 Year  5.44% 5.83% 7.29% 7.75%
    5 Year  5.44% 5.82% 7.49% 7.82%
    INTEREST ONLY
    1 Year  7.09% 6.04% 7.09% 7.81%
    2 Year  6.79% 6.12% 6.79% 7.70%
    3 Year  6.59% 6.17% 6.79% 7.63%
    4 Year  6.99% 6.40% 6.99% 7.64%
    5 Year  7.19% 6.59% 7.09% 7.64%
  • Owner Occupier - Fixed
    LVR 60.01% to 80%

    Please note: The minimum amount that may be borrowed is $20,000.00

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  5.64% 5.93% 7.69% 7.88%
    2 Year  4.99% 5.81% 7.44% 7.83%
    3 Year  5.14% 5.80% 7.29% 7.77%
    4 Year  5.44% 5.86% 7.29% 7.75%
    5 Year  5.44% 5.85% 7.49% 7.82%
    INTEREST ONLY
    1 Year  7.09% 6.08% 7.09% 7.81%
    2 Year  6.79% 6.16% 6.79% 7.70%
    3 Year  6.59% 6.20% 6.79% 7.63%
    4 Year  6.99% 6.43% 6.99% 7.64%
    5 Year  7.19% 6.62% 7.09% 7.64%
  • Owner Occupier - Fixed
    LVR 80.01% to 90%

    Please note: The minimum amount that may be borrowed is $20,000.00

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  5.99 6.28 7.69% 7.88%
    2 Year  5.34 6.15 7.44% 7.83%
    3 Year  5.39 6.11 7.29% 7.77%
    4 Year  5.69 6.17 7.29% 7.75%
    5 Year  5.69 6.15 7.49% 7.82%
    INTEREST ONLY
    1 Year  7.34 6.42 7.09% 7.81%
    2 Year  6.79 6.44 6.79% 7.70%
    3 Year  6.49 6.42 6.79% 7.63%
    4 Year  6.79 6.57 6.99% 7.64%
    5 Year  6.99 6.72 7.09% 7.64%

    • Enquire now  

Investor

Buying or refinancing a place to rent out?  We’re invested in making investing more rewarding for you.

  • Investor - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $50,000.00

    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 7.86 8.13 7.64 7.91
    60.01% to 80% 7.86 8.13 7.64 7.91
    80.01% to 90% 7.86 8.13 7.64 7.91
    Over 90.01% 8.72 8.99 7.64 7.91
    INTEREST ONLY
    Less than or equal to 60% 8.26 8.32 7.84 8.01
    60.01% to 80% 8.26 8.32 7.84 8.01
  • Investor - Variable
    >$150K - $400K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.54 5.84 7.64 7.91
    60.01% to 80% 5.59 5.88 7.64 7.91
    80.01% to 90% 5.84 6.13 7.64 7.91
    Over 90.01% 8.72 8.99 7.64 7.91
    INTEREST ONLY
    Less than or equal to 60% 5.64 5.88 7.84 8.01
    60.01% to 80% 5.69 5.93 7.84 8.01
  • Investor - Variable
    >$400K - $700K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.54 5.84 7.64 7.91
    60.01% to 80% 5.59 5.88 7.64 7.91
    80.01% to 90% 5.84 6.13 7.64 7.91
    Over 90.01% 8.72 8.99 7.64 7.91
    INTEREST ONLY
    Less than or equal to 60% 5.64 5.88 7.84 8.01
    60.01% to 80% 5.69 5.93 7.84 8.01
  • Investor - Variable
    >$700K +
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.54 5.84 7.64 7.91
    60.01% to 80% 5.59 5.88 7.64 7.91
    80.01% to 90% 5.84 6.13 7.64 7.91
    Over 90.01% 8.72 8.99 7.64 7.91
    INTEREST ONLY
    Less than or equal to 60% 5.64 5.88 7.84 8.01
    60.01% to 80% 5.69 5.93 7.84 8.01
  • Investor - Fixed
    LVR Less than or equal to 60%

    Please note: The minimum amount that may be borrowed is $20,000.00.

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  5.84% 6.26% 6.24% 7.89%
    2 Year  5.15% 6.12% 5.75% 7.64%
    3 Year  5.34% 6.10% 5.94% 7.52%
    4 Year  5.64% 6.15% 6.14% 7.44%
    5 Year  5.64% 6.13% 6.24% 7.37%
    INTEREST ONLY
    1 Year  5.94% 6.28% 6.44% 7.91%
    2 Year  5.29% 6.14% 5.99% 7.69%
    3 Year  5.44% 6.13% 6.14% 7.57%
    4 Year  5.74% 6.19% 6.34% 7.52%
    5 Year  5.74% 6.17% 6.44% 7.45%
  • Investor - Fixed
    LVR 60.01% to 80%

    Please note: The minimum amount that may be borrowed is $20,000.00.

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  5.84% 6.31% 6.24% 7.89%
    2 Year  5.15% 6.16% 5.75% 7.64%
    3 Year  5.34% 6.13% 5.94% 7.52%
    4 Year  5.64% 6.19% 6.14% 7.44%
    5 Year  5.64% 6.16% 6.24% 7.37%
    INTEREST ONLY
    1 Year  5.94% 6.32% 6.44% 7.91%
    2 Year  5.29% 6.18% 5.99% 7.69%
    3 Year  5.44% 6.16% 6.14% 7.57%
    4 Year  5.74% 6.22% 6.34% 7.52%
    5 Year  5.74% 6.20% 6.44% 7.45%
  • Investor - Fixed
    LVR 80.01% to 90%

    Please note: The minimum amount that may be borrowed is $20,000.00.

    Term Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  6.14 6.56 6.24% 7.89%
    2 Year  5.35 6.39 5.75% 7.64%
    3 Year  5.44 6.34 5.94% 7.52%
    4 Year  5.74 6.38 6.14% 7.44%
    5 Year  5.74 6.34 6.24% 7.37%
    INTEREST ONLY
    1 Year  6.14 6.56 6.44% 7.91%
    2 Year  5.49 6.42 5.99% 7.69%
    3 Year  5.54 6.36 6.14% 7.57%
    4 Year  5.84 6.41 6.34% 7.52%
    5 Year  5.84 6.38 6.44% 7.45%

    • Enquire now   


Key upfront fees

While there’s loads of features in our packed home loan, these are our only up-front fees.

Annual fee $295 p.a. Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.
Settlement fee  $150 – To prepare your loan documents and settle your home loan.
Valuation fee We will cover the valuation costs up to $300
Rate lock Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply. 
Government fees and charges These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Depending on how you use your loan, you may have to pay other fees and charges.

Guide to fees and charges   Compare interest rates 

Pay your loan off faster 

With the flexibility to set your repayments to weekly, fortnightly or monthly, and the option to increase your repayment amount, you can make additional repayments into your variable home loan fee-free. Plus, you’ll always have access to those extra repayment funds whenever you need them. Just another great feature of this package home loan.

Speedometer icon to symbolise fee free payments into a variable home loan

Rocket ship icon symbolising Virgin Money rewards sky-rocketing with a loaded home loan

100% interest offset account

Go for the title of Flexibility Final Boss and link up to 10 Go Accounts to a variable home loan. All while earning a tidy 8 points7 for every eligible Go Account transaction. 

Earning points while paying less interest = win-win. Get more bang for your buck by teaming up your Loaded home loan with a Virgin Money Go Account and offsetting your balance to lower interest you pay over the life of the loan.

Meet the Virgin Money Go Account

With a Virgin Money Go Account, you earn Virgin Money Points on every purchase, direct debit and BPAY payment7. Plus, new customers can score 5,000 Bonus Points simply by meeting the welcome offer criteria8.

Learn about a Go Account

Wallet icon to represent linking a Virgin Money Go account to your home loan

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?  

Increasing or making extra repayments could help you pay off your home loan sooner.  

Calculate saving

CALCULATORS & TOOLS
Compare home loans.

Understand the financial differences between a fixed rate home loan and a variable rate home loan.

Start comparing

Loaded home loan support and FAQs

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

Book symbolising learning about a Virgin Money Loaded home loan

  • What is an offset account?

    Make every dollar count by offsetting funds against interest costs on your Loaded Home Loan. Every dollar that you keep in your linked Virgin Money Go Account reduces the amount of interest you'll have to pay on your linked home loan.

    An offset is created by taking the daily closing balance in your Virgin Money Go Account and calculating it against the annual percentage rate applied to your home loan.

    Daily closing balance x interest rate (per annum)
    Number of days in the year (365 days)

    This will then offset against the daily interest charged on your linked Loaded Home Loan and reduce the amount of interest you pay on your loan.

    Offset is only available to variable rate Loaded Home Loans. If your loan is on a fixed rate, you won't be able to use offset until the end the fixed rate period when the loan reverts to a variable rate.

  • What is redraw?

    Redraw gives you access to any extra repayments you've made on your home loan. By making additional repayments, you reduce your loan balance, which means paying less interest over time. And if you have a variable rate home loan and need to dip into those funds later and, they’re there when you need them.

  • 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.

  • Should I choose a variable or fixed rate?

    To fix or not to fix: that is the question. The decision can make a big difference to the life of your home loan. Find out more on whether a fixed rate home loan is right for you.

  • 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.

  • 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

    • See more
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