Our Home Loan products

Lite Home Loan

Lite on the frills and heavy on the points. Virgin Money’s Lite Home Loan rewards you every month if repayments are made on time16 and comes with everything you need (and nothing you don’t).

competitive home loan rates Earn 1000 Virgin Money Points every month, just for making your repayments on time16.

competitive home loan rates Pay no annual fees so more money stays in your pocket.

competitive home loan rates Make unlimited additional repayments19 and access redraw during a variable rate period without paying fees.

Variable rate offer

Minimum $150k loan, up to 80% LVR

5.19% p.a.3

variable rate+

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5.21% p.a.

comparison rate*

 

Fixed 2 year offer

Min $20k loan, up to 80% LVR

4.99% p.a.3

fixed 2 year rate

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5.17% p.a.

comparison rate*

See more on Lite

Loaded Home Loan 

Loaded with features, flex and serious rewards. Beyond the points-earning potential, you’re also rewarded with more options and control.                                 

competitive home loan rates Virgin Money Points: Receive a generous settlement bonus and 2000 points for every monthly repayment after that.¹⁶

competitive home loan rates Save on interest: Link up to 10 Virgin Money accounts as offsets.

competitive home loan rates  Full flexibility: Choose a variable rate, fix for up to 5 years, or do both.                   

Variable rate offer

Min $400k loan, up to 60% LVR

5.34% p.a.5

variable rate+

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5.64% p.a.

comparison rate*

 

Fixed 2 year offer

Min $20k loan, up to 80% LVR

4.99% p.a.5

fixed 2 year rate

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5.81% p.a.

comparison rate*

See more on Loaded

Why choose our Home Loan?

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.

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Wait less for yes

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

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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

Based on a new 500k Loaded Home Loan

Earn points

100,000 pts at settlement
2,000 pts per borrower each month just for making your repayments on time

Redeem points

See what you earn

100,000 pts
$500.00
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

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

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.

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