Refinance your home loan
Free yourself by refinancing your home loan to enjoy the benefits of property ownership with extra rewards.{sub-heading}
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
Why refinance with us
Our home loans are built to help you get the most of your home loan. Straight up – more value, more flexibility, more rewards.
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.
Maximise your perks
Earn 1,000 Points every month – then turn them into travel, gift cards, or even cash straight into your account.
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.
How much could you save?
Calculate your refinance savings
Use our handy calculators to track your cash and keep more of it where it belongs – with you.
Double-down on points with a Virgin Money Go Account
With a Virgin Money Go Account, you earn Virgin Money Points on every purchase, direct debit and BPAY payment7. Plus, new customers can score 5,000 Bonus Points simply by meeting the welcome offer criteria8..{sub-heading}
FAQs
If you can’t find the answer to your question here, there’s more support available. {sub-heading}
What does ‘refinancing’ mean?
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.
Should I choose a variable or 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}