Refinance your home loan

Free yourself by refinancing your home loan to enjoy the benefits of property ownership with extra rewards.{sub-heading}

Enquire now

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 $150k loan, up to 60% LVR
Variable rate20 from

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

[br]

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

Every Virgin Money Home Loan is rewarding

No matter which home loan you choose, Virgin Money rewards you for every step of your home ownership journey. From bonus points at settlement to ongoing points for making your regular repayments, our home loans give you more than just great rates and flexible features, they give you extra value you can enjoy everyday.

Learn about Rewards

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Why refinance with us

Our home loans are built to help you get the most of your home loan. Straight up – more value, more flexibility, more rewards.

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Lock in your rate – or do the splits

Split your loan into fixed and variable portions – lock in a fixed rate on part, and keep the freedom of a variable rate on the rest. Win-win.

Split home loan calculator

Maximise your perks

Earn 1,000 Points every month on the Lite Home Loan or 2,000 Points every month on the Loaded Home Loan - then turn them into travel, gift cards, or even cash straight into your account.16

Read more about ways to redeem points

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 anytime13

Get the rundown on rates and fees

We keep our rates competitive and our fees to a minimum, because there’s nothing more rewarding than feeling like you got a great deal on your home loan. Apart from maybe all the points you’ll earn. {sub-heading}

Compare rates and fees

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Banking calculators & tools

We love making things easy! Our tools and calculators help you work out all the important home loan stuff.{sub-heading}

How much can I borrow?

Calculate how much you may be able to borrow for your home loan based on your income and expenses.

Calculate amount

How much can I save?

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

Calculate savings

Compare home loans.

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

See your total buying costs

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Contact us

Find support, contact details & important information.{sub-heading}

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

Important information

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