Repayments = Rewards
Earn Virgin Money Points every month just for repaying your home loan on time16.
Pay your loan off pronto
Make extra repayments fee-free with no limits and withdraw them whenever13.
Wait less for yes
Faster application decisions when you refinance, plus mobile banker support.
A more rewarding home loan awaits
Packed with features, stacked with rewards. A home loan that makes every dollar work harder for you with competitive rates and flexible options.
Lite Home Loan - Variable Rate from
variable rate+
Lite on fees but heavy on features, this streamlined home loan has everything you need (and nothing you don’t).
- Earn Virgin Money Points every month16
- Zero setup and no ongoing home loan fees
- Make additional repayments and redraw at no extra cost
Loaded Home Loan - Variable Rate from
variable rate+
Loaded with features, this home loan not only rewards you with points, but also rewards you with greater flexibility and control.
- Earn Virgin Money Points at settlement and every month16
- Split your home loan into variable, fixed or interest only
- 100% interest offset across up to 10 Go accounts
Lite Home Loan - Fixed 2 Year from
fixed rate
Lite on fees, heavy on features. Lock in your rate for up to 5 years and take the guesswork out of repayments.
- Earn Virgin Money Points every month16
- Zero setup and no ongoing home loan fees
- Make additional payments up to $10k per year13
Loaded Home Loan - Fixed 2 Year from
fixed rate
Packed with perks. Earn points every month, plus enjoy the certainty of knowing exactly what’s due each month.
- Earn Virgin Money Points at settlement and every month16
- Option to lock in a fixed home loan rate for up to 5 years
- Make additional payments up to $10k per year13
Your loan, your rules
Fixed or variable? When it comes to refinancing your home loan, it’s a big question. Here’s some cool news, you don’t have to decide. If you like the benefits that fixed rate and variable rate loans provide, you can split your home loan. Flexibility is its biggest flex.
Home loan 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.
CALCULATORS & TOOLS
How much can I borrow?
Calculate how much you may be able to borrow based on your income and expenses.
CALCULATORS & TOOLS
How much can I save?
Increasing or making extra repayments could help you pay off your home loan sooner.
CALCULATORS & TOOLS
Calculate your repayments.
If you are looking to refinance, calculate what your new estimated monthly repayments will be.
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