A phone app with home loan customer rewards

Repayments = Rewards

Earn Virgin Money Points every month just for repaying your home loan on time16.

Virgin Money Rewards

Speedometer icon to symbolise paying off your home loan quickly

Pay your loan off pronto

Make extra repayments fee-free with no limits and withdraw them whenever13.

Find out more

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Wait less for yes

Faster application decisions when you refinance, plus mobile banker support.

Enquire now

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.

Variable rate offer
<b>Lite Home Loan - Variable Rate from</b>

Lite Home Loan - Variable Rate from

5.63% p.a.3

variable rate+

5.65% p.a.
comparison 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
See more on Lite

<b>Loaded Home Loan - Variable Rate from</b>

Loaded Home Loan - Variable Rate from

5.64% p.a.5

variable rate+

5.93% p.a.
comparison 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
See more on Loaded

Fixed rate offer
<b> Lite Home Loan - Fixed 2 Year from</b>

Lite Home Loan - Fixed 2 Year from

5.14% p.a.4

fixed rate

5.55% p.a.
comparison 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
See more on Lite

<b>Loaded Home Loan - Fixed 2 Year from</B>

Loaded Home Loan - Fixed 2 Year from

5.14% p.a.6

fixed rate

5.95% p.a.
comparison 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
See more on Loaded

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.

Learn about splitting

Sign post icon symbolising splitting your home loan

Mobile phone icon symbolising a refinanced home loan with Virgin Money points

Virgin Money Reward points16

Get rewarded for paying your home loan. Yep, you read that right. We’ll start you off with a sweetener at your home loan settlement and then reward you every month after that. It’s our way of saying thank you for having a home loan with us. Gratitude, much? 

Learn about Rewards

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. 

Compare rates and fees

Banking calculators & tools 

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

CALCULATORS & TOOLS
How much can I borrow?

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

Calculate amount

CALCULATORS & TOOLS
How much can I save?  

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

Calculate saving

CALCULATORS & TOOLS
Calculate your repayments.

If you are looking to refinance, calculate what your new estimated monthly repayments will be. 

Calculate repayment

Contact us

Find contact information including phone numbers & email addresses for general enquires and application support.

13 81 51

General enquiries | Home loan & offset account

Monday to Friday 8am - 6pm (AEST/AEDT)
Saturday 8am - 5pm (AEST/AEDT)
Excluding public holidays.

General help | Home loan | Feedback

Find support, contact options & important information.

Contact us page

 

 

Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

Enquire now