Virgin Money is an online Australian lender owned by Bank of Queensland. Virgin Money has home loans for investors and owner-occupiers, including fixed and variable rates. Check out the full table of Virgin Money products below or read more about the lender and its loans.
Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "more info".
Review by our senior home loans writer Richard Whitten
Here are the key features and details you need to know about Virgin Money's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Virgin Money loans have 80% maximum LVRs. This means you can borrow up to 80% with a Virgin Money mortgage. |
| Offset account | Virgin Money Reward Me Variable loans come with offset accounts. |
| Repayment options | Both Virgin Money's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans. |
| Split rate | Most Virgin Money mortgages allow you to split your loan into fixed and variable portions. |
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Each Virgin Money product has specific eligibility criteria but some will apply to all products. For example:
When you apply for a mortgage with Virgin Money you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
If you want to compare loans from similar lenders to Virgin Money then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
Get a competitive fixed rate from one to five years with the Virgin Money Reward Me Fixed Rate Home Loan.
Sign up for our FREE 8-week course to get on the property ladder.
Get a home loan with a low deposit.
Pay less for your home loan with a super-low interest rate.
Save on your investment loan with these hot offers.
I am wanting to talk to someone about changing over who my current home loan is with
Hi Kylie,
Thank you for reaching out to Finder.
Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular account, you may then click on the “Enquire now” button and you will be redirected to the account’s review page where you can proceed on checking the details of the service before choosing one. You may need to go directly to the provider’s page to reach out to a representative to assist you further in your questions.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!
Cheers,
Reggie