Two kinds of home loan.
All kinds of rewarding.

Important information

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. Before switching providers we recommend you compare all policy features and find out if cancellation fees apply. Exclusions and conditions apply. New approved customers only.

Find information on our terms and conditions or about Virgin Money Target Market Determinations.

As we don’t know your personal needs and objectives we can’t advise if this insurance will suit you. Consider your needs and our Key Fact Sheets, Product Disclosure Statements, Target Market Determination and Financial Services Guide before deciding whether to buy our product.

Prepared by Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740 Australian Credit Licence AFSL 244616, the issuer of the transaction and savings accounts. Information provided is of general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs, we can’t advise whether the products will suit you and prior to making any decision you should obtain and consider the relevant terms and conditions of each product before making any decision about whether to acquire or continue to hold it. For full terms and conditions, including information on eligibility criteria and fees and charges click here.

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

Prepared by Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869 (‘Virgin Money’). Virgin Money Super is a plan in the Mercer Super Trust ABN 19 905 422 981. Virgin Money Super is issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533 AFSL 235906 as trustee of the Mercer Super Trust. For more information about Virgin Money Super, please refer to the PDS which is available free of charge on our website or by calling the Customer Care team on 1300 652 770.

Home Loans: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 promotes and distributes the companion account and the home loans as the authorised representative and credit representative of the issuer and credit provider, Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence/AFSL 244 616 (the 'Lender').

The Lender's standard credit assessment criteria apply. See fees and charges that may be payable. Interest rates quoted are indicative only, and are subject to change without notice.

Lifebroker comparison service: Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869 (Virgin Money) has partnered with Lifebroker Pty Ltd (AFS Licence number: 400209) to help you compare a range of Life and Income Protection Insurance policies. Virgin Money earns a commission from Lifebroker for each customer that purchases a policy through the website or contact centre. Lifebroker do not compare all life insurers or policies in the market.

For more information about the services provided by Virgin Money (Australia) in relation to the Lifebroker comparison service, please see the Financial Services Guide.

Existing Virgin Life Insurance and Virgin Income Protection policyholders: From the 1st April 2021, TAL Life Limited ABN 70 050 109 450 AFSL 237848 of Level 16, 363 George Street, Sydney NSW 2000 (TAL Life) will no longer be issuing new Virgin Life Insurance and Virgin Income Protection benefits and Hallmark General Insurance Company Ltd ABN 82 008 477 647 AFSL 243478 of Level 5, 66 St Georges Terrace, Perth, WA, 6000 (Hallmark General Insurance) will no longer be issuing the Involuntary Unemployment Cover which is a benefit available within Virgin Income Protection.Existing policies and claims will continue to be administered under agreement with the insurers, TAL Life and for Involuntary Unemployment Cover, Hallmark General Insurance.Virgin Income Protection and Virgin Life Insurance are promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869, and distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). TAL Direct has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover on behalf of the insurers as if it were the insurers.For information about the services provided Virgin Money (Australia) and TAL Direct in relation to Virgin Life Insurance and Virgin Income Protection, please see the Financial Services Guide.

Promoter: Virgin Car Insurance and Virgin Home and Contents Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Virgin Money receives a commission which is a percentage of your premium – ask us for more details before we provide you with any services on this product.

Things you need to know

1. You will earn 8 Virgin Money Points for any settled debit card purchases (not pending), direct debits and BPAY payments from your Virgin Money Go Account. For customers who open a Virgin Money Go Account jointly with another person, the points will be split and evenly allocated to both joint account holders of that account. For further information refer to our Virgin Money Rewards terms and conditions.

14. Welcome Offer Criteria: The Virgin Money Go Account comes bundled with the Virgin Money Boost Saver. New Virgin Money Go Account customers will receive 5,000 Bonus Virgin Money Points when they make one (1) debit card purchase, direct debit or BPAY payment from their Virgin Money Go Account in the first 30 days from account opening. Debit card purchases must settle in the first 30 days from account opening (not pending). Cash withdrawals, deposits, refunds, reversals or credits to the Virgin Money Go Account, Pay Someone payments and internal transfers are excluded. For customers who open a Virgin Money Go Account jointly with another person, the Bonus Points will be split and evenly allocated to both joint account holders of that account once the Welcome Offer Criteria have been met. Virgin Money reserves the right to amend or withdraw this offer at any time without notice. A new customer is any person who does not currently or has not previously held a Virgin Money Go Account or Virgin Money Grow Saver. Offer ends 31 July 2025. For further information on the Virgin Money Rewards Program refer to our terms and conditions.