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.
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Why choose a Virgin Money home loan
Earn points just for paying your home loan
Build up reward points each month just for making your repayments on time.
Hold the phone
Manage your home loan and check your rewards on the go. It’s all in the Virgin Money App.
Compare home loan interest rates
Tell us what you’re after and we’ll match you with the home loan that makes the most sense.
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 5.54% p.a.
- 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 5.59% p.a.
- 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).
Fixed rate from 5.48% p.a.
- 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.
Fixed rate from 5.88% p.a.
- 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
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}
Say goodbye to home loans that don’t reward you
Free up funds
Lock in a better rate and hold onto your hard-earned cash.
Tidy up your loans
Roll your credit card, personal loans and home loan into one neat repayment.
Redeem and enjoy
Earn points every month and turn them into rewards.
Our handy tools
Use our 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.{sub-heading}
Compare home loan options
Make sure you’re getting the best home loan rates with our comparison calculator.
How much can you borrow for your home loan?
Calculate how much you’ll be able to borrow based on your income and expenses.
Plan your repayments
Check what your repayments might be based on the amount you're planning to borrow.
Frequently asked questions
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.)
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
Questions? We’re here to help with anything from setup to rewards. Get in touch today. {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}
Important information
Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, AFSL and Australian Credit Licence 244 616 is the credit provider for the Lite and Loaded Home Loans.
Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (“Virgin Money Australia”) promotes and distributes the Reward Me home loans as an authorised credit representative of BOQ. Virgin Money Australia is a wholly-owned but non-guaranteed subsidiary of BOQ.
+Interest rates are current as at 29 May 2025 and are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
*Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
View Virgin Money home loan key facts sheet
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- Available for new Virgin Money Lite owner occupier, principal and interest loans, Minimum loan size $150K. max 80% LVR^. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
- Available for new Virgin Money Lite 2 year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR.
- Available for new Virgin Money Loaded owner occupier, principal and interest loans, Minimum loan size $400K. max 60% LVR^. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
- Available for new Virgin Money Loaded 2 year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR.
- Additional repayments made into a fixed rate home loan are limited to $10,000 per year and are not available for redraw during the fixed period.
- Participation in the Virgin Money Rewards program is subject to Virgin Money Rewards terms and conditions.
Virgin Money Lite home loan borrowers can earn;
1000 monthly Bonus Points for a calendar month if the Lite Home Loan has an outstanding balance on the last day of the calendar month and the borrower is not in default on the last day of the calendar month under any home loan contract with us (including those relating to other home loans).
Virgin Money Loaded home loan borrowers can earn;
2000 bonus points for every $10,000 of the loan amount advanced at settlement provided the loan is not a further advance, top-up or refinance of an existing Virgin Money loan. The loan must remain open, and the borrowers must not be in default before points are credited. Points will be evenly split among multiple borrowers of the same loan. Each borrower can earn 2,000 monthly bonus points for a calendar month if the Loaded home loan has an outstanding balance on the last day of the calendar month and the borrower is not in default on the last day of the calendar month under any home loan contract with us (including those relating to other home loans).