Home loans
Make your money work as hard as you do. With great rates and rewarding options, Virgin Money Home Loans are built to back you and your big goals. {sub-heading}
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Why choose Virgin Money
Earn points monthly
Build up Virgin Money Points each month just for making your repayments on time.16
Manage on the go
Manage your home loan and check your rewards on the go. It’s all in the Virgin Money App.
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+ from
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- Earn Virgin Money Points every month, just for making repayments on time16
- Zero setup and no ongoing home loan fees
- No extra cost for making additional repayments or redrawing19
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 from
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- Earn Virgin Money Points at settlement and every month
- Split your home loan into variable, fixed or interest only
- Offset 100% of your interest across up to 10 Go Accounts
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 from
{hlx-rates || 98099 || Rate}%p.a.{rate-display}
- Earn Virgin Money Points every month, just for making repayments on time
- Zero setup and no ongoing home loan fees
- No extra cost for making additional repayments or redrawing
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 from
{hlx-rates || 98099 || Rate}%p.a.{rate-display}
- Earn Virgin Money Points at settlement and every month
- Option to lock in a fixed home loan rate for up to 5 years
- Make additional payments up to $10k per year13
How can we help you with your home loan?
Let’s get to the points
We’ll reward you for staying on top of it. Earn points just for repaying your home loan on time, and redeem them for cashback, gift cards and more.{sub-heading}
G’bye rewardless home loan, hello Virgin Money
Refinance to a more rewarding Virgin Money Home Loan to enjoy property ownership with a side of points and other perks.{sub-heading}
Free up funds with better rates
Lock in a better rate and have more cash to splash.
Customise your repayments
Roll your debts into one neat and tidy repayment.
Redeem & enjoy
Earn Virgin Money Points every month
Our handy tools
Our most useful calculators
We make things stress-free. We have calculators to help you prep for buying a home. Crunch some numbers, get budget ready, and find the best home loan rates.
Plan your repayments
Check what your repayments might be based on the amount you're planning to borrow.
Understand how much you can borrow
Calculate how much you’ll be able to borrow based on your income and expenses.
Compare different loan rates
Make sure you’re getting the best home loan rates with our comparison calculator.
FAQs
If you can’t find the answer to your question here, there’s more support available. {sub-heading}
What is redraw?
Redraw gives you access to any extra repayments you've made on your home loan. By making additional repayments, you reduce your loan balance, which means paying less interest over time. And if you have a variable rate home loan and need to use those funds later, they’re there when you need them.
If you have a fixed rate home loan you won't be able to access redraw during the fixed period.
How do variable interest rates work?
A variable interest rate is a rate that could move up and down at any time. The variable interest rate a bank offers could be affected by a number of factors, including the official cash rate set by the Reserve Bank of Australia (RBA) as well as higher or lower funding costs for the lender.
You can use a Mortgage Repayment Calculator to estimate repayments and interest charges over the life of a loan.
What is a fixed rate?
What is Virgin Money Rewards?
Virgin Money Rewards is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday.
How do I access my account?
You can access your account on the Virgin Money app.
Download the Virgin Money app, or join online, and sign up in minutes. Literally.
(Have your favourite type of Australian ID handy.)
How do I request a key fact sheet?
Useful links
Explore other products and learn how to make the most of your Virgin Money accounts.{sub-heading}
Looking to buy a property?
Already have a home loan?
Applications
Documents
Contact us
Find support, contact details & important information.{sub-heading}
Learn more
Didn’t find what you were looking for? Go to our help and support page to find out more.{sub-heading}