Important information

Keep in mind that there’s often a balance between short-term advantages and longer-term impacts. Whilst some of these options could be helpful in allowing you to reduce your payments now, it may take longer to pay off your debt and you may end up paying more in interest in the long run.


If you’re feeling concerned about your home loan repayments, Virgin Money is here to support you. There may be some options to help, including:

  • Lower your repayment to the minimum amount if you’ve been making higher than the minimum repayments to your home loan.
  • Access the balance in your offset account and use it to make your upcoming home loan repayments
  • Redraw any additional repayments you’ve made into your home loan, up to the amount of those additional repayments and use these funds to make your upcoming home loan repayments.

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