Home loans

Make your money work as hard as you do. With great rates and rewarding options, Virgin Money Home Loans are built to back you and your big goals.{sub-heading}

Enquire now

Rates and fees

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Why choose Virgin Money

Earn points monthly

Build up Virgin Money Points each month just for making your repayments on time.16

Virgin Money Rewards

Wait less for yes

Get fast application decisions and support every step of the way.

Enquire now

Manage on the go

Manage your home loan and check your rewards on the go. It’s all in the Virgin Money App.

Learn more

Lite Home Loan

Lite on fees but not on features: this streamlined home loan has everything you need (and nothing you don’t)

Variable rate offer

Minimum $150k loan, up to 80% LVR
Variable rate20 from

{hlx-rates|| 98026|| Rate}%3 p.a.{rate-display}

[br]

Comparison rate21

{hlx-rates || 98026|| Comparison Rate}% p.a.{rate-display}

  • Earn Virgin Money Points every month, just for making repayments on time16
  • No annual fees
  • No extra cost for making additional payments or redrawing on variable rate loans13

Loaded Home Loan

Loaded with features, this home loan not only rewards you with points, but also gives you more flexibility and control.

Variable rate offer

Minimum $400k loan, up to 60% LVR
Variable rate20 from

{hlx-rates || 105609 || Rate}%5 p.a.{rate-display}

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Comparison rate21

{hlx-rates || 98049 || Comparison Rate} %p.a.{rate-display}

  • Earn Virgin Money Points at settlement and every month16
  • Split your home loan
  • Offset 100% of your interest across up to 10 Go Accounts
Tab Title
Variable rate offer

Lite Home Loan

Lite on fees but not on features: this streamlined home loan has everything you need (and nothing you don’t):

Fixed 2 year offer

Minimum $20k loan, up to 80% LVR
Fixed 2 year rate from

{hlx-rates || 105541|| Rate2Yr_Fixed}%3p.a.{rate-display}

[br]

Comparison rate21

{hlx-rates || 105541 || Rate2Yr_Fixed_AAPR}%p.a.{rate-display}

  • Earn Virgin Money Points every month, just for making repayments on time16
  • No annual fees
  • No extra cost for making additional payments or redrawing on variable rate loans13

Loaded Home Loan

Loaded with features, this home loan not only rewards you with points, but also gives you more flexibility and control:

Fixed 2 year offer

Minimum $20k loan, up to 80% LVR
Fixed 2 year rate from

{hlx-rates || 105553 || Rate2Yr_Fixed}%5p.a.{rate-display}

[br]

Comparison rate21

{hlx-rates || 105553 || Rate2Yr_Fixed_AAPR }%p.a.{rate-display}

  • Earn Virgin Money Points at settlement and every month16

  • Option to lock in a fixed home loan rate for up to 5 years

Tab Title
Fixed rate offer
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G’bye rewardless home loan, hello Virgin Money

Refinance to a more rewarding Virgin Money Home Loan to enjoy property ownership with a side of points and other perks.{sub-heading}

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Free up funds with better rates

Free up funds with competitive rates.

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Customise your repayments

Set up your repayments to work for you via the Virgin Money app.

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Redeem & enjoy

Earn Virgin Money Points every month16

Learn about refinancing

Get the rundown on rates and fees

Whether you’re an owner-occupier or investor, we’ve got the right rates for you. {sub-heading}

Compare rates and fees

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Our handy tools

View all

Our most useful calculators

We make things stress-free. We have calculators to help you prep for buying a home. Crunch some numbers, get budget ready, and find the best home loan rates.

Plan your repayments

Check what your repayments might be based on the amount you're planning to borrow.

Mortgage calculator

Understand how much you can borrow

Calculate how much you’ll be able to borrow based on your income and expenses.

Borrowing power calculator

Compare different loan rates

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

Comparison calculator

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FAQs

Here you'll find all your home loan questions answered!{sub-heading}

View all FAQs

What is an offset account?

Make every dollar count by offsetting funds against the outstanding balance 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){text-center}

Number of days in the year (365 days){text-center}

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 on 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.

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 stay the same during this period.

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 do I access my 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 home loan key fact sheet?

You can access a home loan 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

Financial Hardship Assistance

Monday to Friday 8.30am - 5pm (AEST/AEDT)

Excluding public holidays.

View support page

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Explore other products and learn how to make the most of your Virgin Money accounts.

Looking to buy a property?

How much can I borrow?

Stamp duty calculator

See where you can afford to buy

Already have a home loan?

Refinance your home loan

Repayments calculator

Principal and interest calculator

Documents

Forms and Important Information
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Contact us

Find support, contact details & important information.

View all contact information

Talk to a lending specialist

Our experts have got you covered. They’re on hand to guide you through every step of the journey. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

Enquire now

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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.

Banking app features

Update your repayment amount or frequency, track your property equity and account transactions with just a few clicks.

Learn more

Variable rate home loan

Enjoy good things our variable rate home loan offers. The perfect combo of flexibility and competitive rates.

Learn more

Fixed rate home loan

Our fixed rate home loan lets you enjoy the comfort of your chosen rate, long term. Lock in your repayments.

Learn more

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.

Learn more

Important information

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