Loaded Home Loan
Start off strong with a new Loaded Home Loan which makes owning and investing in a property ultra rewarding.{sub-heading}
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Variable rate+
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Comparison rate*
Competitive rates
Looking for competitive home loan rates in Australia? We’ve got you.
5Available for new owner occupier, principal and interest loans, min loan size $400K, max 60% LVR11.
6Available for new 2yr fixed owner occupier, principal & interest loans, min loan $20k, max 80% LVR11.
Lending and Deposits Guide to Fees and Charges.
Features and benefits
Our home loans are built to help you get the most of your home loan. Straight up – more value, more flexibility, more rewards.
Earn Virgin Money Points as a settlement bonus
You’ll cop a generous 2,000 Virgin Money Points for every $10,000 you borrow15. Talk about a housewarming gift.
Plus points every month for repaying your home loan on time
Score a repayment reward of 2,000 Virgin Money Points per month15 (as long as you’re not behind on your home loan!).
Lock in your rate – or do the splits
Split your loan into fixed and variable portions – lock in a low rate on one part, and keep the freedom of a variable rate on the rest. Win-win.
Get discounts based on loan size and deposit
Get rewarded with discounted rates based on your loan size and loan-to-value ratio (the size of your deposit vs. your home’s value).
Control your repayments and redraw when you need
Made extra repayments but need the cash back? Easy. With our variable rate home loan, you can redraw anytime with no extra charges (minimum $100).
Talk to a home loan specialist
Our experts can guide you through every step of the journey.
Variable Rate Home Loan rates and fees
Our Reward Me Variable Rate Home Loan offers competitive Owner Occupied and Investment home loan rates.
Rates
For a full list of fees and charges that could apply refer to our fees guide below.
Lending and Deposits Guide to Fees and Charges.{link-button}
Rates
For a full list of fees and charges that could apply refer to our fees guide below.
Lending and Deposits Guide to Fees and Charges.{link-button}
Fees
For a full list of fees and charges that could apply refer to our fees guide below.
Lending and Deposits Guide to Fees and Charges.{link-button}
$295
Payable for processing application of your loans. Charged at settlement.
$150
Payable for completing settlement of your loans
First Valuation Free
Any further valuation will be charged for. The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property.
$750
If you make a rate lock request after the settlement date, payable at the start of the fixed interest
rate period if it starts before the rate lock expiry date.
Our handy tools
Useful for first time buyers
Ready to level-up to home ownership? Get ready with our handy calculators. Crunch some numbers, plan your budget, and find the best home loan rates.
How much can you borrow for your home loan?
Calculate how much you’ll be able to borrow based on your income and expenses.
Stamp Duty Calculator
Helps buyers understand how much they need to save for a deposit and how long it will take.
Property purchase cost estimator
Calculate your total upfront costs, including deposit, stamp duty, legal fees, and lender fees.
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?
Learn more
Didn’t find what you were looking for? Go to our help and support page to find out more.
Contact us
Find support, contact details & important information.{sub-heading}