Loaded Home Loan
Start off strong with a new Loaded Home Loan which makes owning a property ultra rewarding.{sub-heading}
Variable rate offer
-
{hlx-rates || 98049 || Rate} p.a.% 5
Variable rate
-
{hlx-rates || 98049 || Comparison Rate} p.a.%
Comparison rate21
Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 60% LVR11.
100% interest offset
Up to 10 linked Virgin Money Go offset accounts.
Make extra repayments
Make repayments anytime, fee-free with no limits and withdraw them whenever.
Repayments = rewards
Score Virgin Money Points at settlement and then every month after15.
Our Loaded Home Loan rewards you on the go
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.
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Competitive rates
Looking for competitive home loan rates in Australia? We’ve got you.{sub-heading}
{empty}
5. Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 60% LVR11.
6. Available for new 2yr fixed Owner Occupier, principal & interest loans, Minimum loan $20k, max 80% LVR11.
Features and benefits
Our home loans are built to help you get the most out of your home loan. Straight up – more value, more flexibility, more rewards.{sub-heading}
Earn Virgin Money Points as a settlement bonus
You’ll cop a generous 2,000 Virgin Money Points for every $10,000 you borrow15. Talk about a housewarming gift.
Plus points every month for repaying your home loan on time
Score a repayment reward of 2,000 Virgin Money Points per borrower per month15 (as long as you’re not behind on your home loan!).
Lock in your rate – or do the splits
Split your loan into fixed and variable portions – lock in a low rate on one part, and keep the freedom of a variable rate on the rest. Win-win.
Control your repayments and redraw when you need
Made extra repayments but need the cash back? Easy. With our variable rate home loan, you can redraw anytime
100% interest offset
Up to 10 linked Virgin Money Go offset accounts.
Double-down on points with a 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.{sub-heading}
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.{sub-heading}
Owner Occupier
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
Owner Occupier - Variable >$150K - $400K
Owner Occupier - Variable >$400K - $700K
Owner Occupier - Variable >$700K +
Owner Occupier - Fixed LVR 0% to 60%
Owner Occupier - Fixed LVR 60.01% to 70%
Owner Occupier - Fixed LVR 70.01% to 80%
Owner Occupier - Fixed LVR 80.01% to 90%
Owner Occupier - Fixed LVR 90.01% to 95%
Investor
Buying or refinancing a place to rent out? We’re invested in making investing more rewarding for you.
Investor - Variable <$150K
Investor - Variable >$150K - $400K
Investor - Variable >$400K - $700K
Investor - Variable >$700K +
Investor - Fixed LVR 0% to 60%
Investor - Fixed LVR 60.01% to 70%
Investor - Fixed LVR 70.01% to 80%
Investor - Fixed LVR 80.01% to 90%
Investor - Fixed LVR 90.01% to 95%
Key upfront fees
While there’s loads of features in our packed home loan, these are our only up-front fees.{sub-heading}
Key upfront fees {colspan-2 text-center}
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 fee
$750
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.
Banking calculators & tools
We love making things easy! Our tools and calculators help you work out all the important home loan stuff.{sub-heading}
Loaded home loan support and FAQs
Here you'll find all your home loan questions answered!{sub-heading}
Contact us
Find support, contact details & important information.{sub-heading}