Virgin Money Home Loans Comparison

Rates and Fees verified correct on December 10th, 2016

Virgin Money has re-entered the Australian home loan market.

Virgin Money Home Loans

Virgin Money Australia is a financial services business that operates under the global Virgin brand.

Initially launching Virgin Money credit cards in 2003, the company added superannuation and home loans to its product suite in 2008.

Virgin Money also offers savings accounts, credit cards, home insurance, travel insurance and other insurances.

Compare Virgin Money Home Loans

Rates last updated December 10th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Owner Occupier)
A variable rate home loan with competitive interest rate and flexible product features that can earn Velocity points.
3.69% 3.83% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Variable Home Loan - LVR <= 80% (<$500k Owner Occupier)
Earn Velocity points and borrow from $ up to $500000.
3.79% 3.92% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Fixed Rate Home Loan - 1 Year (Owner Occupier)
Get a companion account that offsets interest and the ability to earn Velocity points.
4.40% 3.98% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years (Owner Occupier)
Competitive rate for 3 years fixed rate that allows you to earn Velocity points.
3.79% 3.92% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Fixed Rate Home Loan - 5 Years (Owner Occupier)
Earn Velocity points and make additional repayments up to $10,000 per annum.
4.29% 4.13% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Fixed Rate Home Loan - 2 Years (Owner Occupier)
Enjoy the competitive rate with no application fee whilst also benefiting from Velocity points earned on your home loan.
4.25% 4.01% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Fixed Rate Home Loan - 4 Years (Owner Occupier)
A 4 years fixed rate that allows the additional repayment up to $10,000 per annum and lets you earn Velocity points.
4.14% 4.04% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% (<$500k Owner Occupier)
Earn yourself Velocity points and borrow up to 90% LVR with a competitive rate and the ability to redraw.
3.99% 4.12% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR > 90% (<$500k Owner Occupier)
Velocity point earning home loan with a 100% offset account, redraw facilities and unlimited additional repayments.
4.24% 4.37% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Owner Occupier)
Redraw facility available on this variable rate home loan that also earns Velocity points.
3.74% 3.88% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% ($500k to $750k Owner Occupier)
A variable rate home loan with no application fee, 100% offset attached and the ability to earn Velocity points.
3.94% 4.07% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR >90% ($500k to $750k Owner Occupier)
A flexible variable rate home loan with features that include unlimited extra repayments, redraw facility, 100% interest offset and bonus Velocity points.
4.19% 4.32% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% ($750k+ Owner Occupier)
Enjoy a discounted rate, flexible benefits and be rewarded with Velocity points as well.
3.89% 4.02% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR >90% ($750k+ Owner Occupier)
A variable rate home loan with no application fees and the opportunity to earn Velocity points.
4.14% 4.27% $0 $10 monthly ($120 p.a.) 95% More info
Virgin Reward Me Fixed Rate Home Loan - 1 Year (Investor)
A competitive 1 year fixed rate with the ability to make additional repayments up to $10,000 per annum and earn Velocity points.
4.55% 4.27% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Fixed Rate Home Loan - 2 Years (Investor)
Lock in your interest rate on your investment property for 2 years and earn some Velocity points on the way.
4.35% 4.27% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Fixed Rate Home Loan - 3 Years (Investor)
Earn Velocity points with your investment home loan and lock in this 3 years fixed rate.
3.99% 4.20% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Fixed Rate Home Loan - 4 Years (Investor)
Get rewarded with Velocity Points on settlement, monthly and every 3 years with fixed rate home loan for your investment.
4.20% 4.26% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% ($500k to $750k Investor)
Borrow from $500000 up to $750000 and earn Velocity points as well.
4.29% 4.42% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Fixed Rate Home Loan - 5 Years (Investor)
Lock in your rate for 5 years and enjoy repayment certainty whilst also earning Velocity points.
4.40% 4.35% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR <=80% (<$500k Investor)
Enjoy the perks including a discounted rate, no application fees, ability to earn Velocity points and more.
4.09% 4.22% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% ($750k+ Investor)
Enjoy the discounted rate and get rewarded with Velocity points as well.
4.24% 4.37% $0 $10 monthly ($120 p.a.) 90% More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($500k to $750k Investor)
A variable rate home loan with no application fees and the opportunity to earn Velocity points.
4.04% 4.17% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Variable Home Loan - LVR <= 80% ($750k+ Investor)
Earn Velocity points with a variable rate home loan that has a 100% offset account attached.
3.99% 4.12% $0 $10 monthly ($120 p.a.) 80% More info
Virgin Reward Me Variable Home Loan - LVR 80.01% to 90% (<500k Investor)
A variable rate home loan that is very flexible, it includes the ability to redraw and earn Velocity points.
4.34% 4.47% $0 $10 monthly ($120 p.a.) 90% More info

Home loans offered by Virgin Money Australia

Virgin Money Australia offers fixed and variable rate home loans, both of which reward borrowers with Virgin Velocity Points.

Reward Me Variable Rate Home Loan

Virgin Money Australia's Reward Me Variable Rate Home Loan offers discounts for lower loan-to-value ratios (LVRs), and rewards borrowers with Virgin Velocity Points on settlement, monthly and every three years. It also allows unlimited additional repayments, and comes with a redraw facility and 100% offset account.

Reward Me Fixed Rate Home Loan

Virgin Money Australia's Reward Me Fixed Rate Home Loan is available for terms of one to five years. Like the Reward Me Variable Rate product, it rewards borrowers with Virgin Velocity Points on settlement, monthly and every three years. It also offers a rate lock for up to 100 days after application, the ability to make up to $10,000 per year in extra repayments and a 100% offset account on its one year fixed rate loan.

Why you might want to consider Virgin Money Australia

  • Backed by a reputable local provider. Virgin Money offers mortgage products backed by Bank of Queensland. This means that Virgin Money Australia can access the resources and networks offered by BoQ.
  • Diversity. Virgin Money Australia offers a range of financial products including home loans, insurance, superannuation and credit cards.
  • Brand image. As part of the global Virgin network, Virgin Money Australia is a trusted and reputable brand.

How to apply for a Virgin Money Australia home loan

Virgin Money Australia's products are offered exclusively through mortgage brokers. Visit the Virgin Money Australia website to find the lender's panel of approved brokers.

Documents needed to apply for a Virgin Money Australia home loan

To apply for a Virgin Money Australia home loan you’ll need to supply the following information:

Personal details

You’ll need to provide your personal details, including:

  • Full name
  • Address
  • Contact information
  • Proof of ID.

Property details

You may be required to supply information about the property you’re planning on purchasing with the home loan such as location and estimated value, as well as:

  • Contract of sale
  • Certificate of title
  • Transfer of land documents

Financial details

Virgin Money Australia may need information regarding your employment and income, including:

  • Your credit history
  • Your employment status
  • Your income
  • Any assets you own
  • Any liabilities in your name and other ongoing expenses

Velocity membership details

If you are already a Virgin Velocity member, you'll need to provide Velocity Frequent Flyer Member Number.

Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 19 October 2016 at 15:39.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.

ME Bank Basic Home Loan - LVR <=80% Owner Occupier

A low variable rate loan with no application or ongoing fees.

NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier)

Receive discounts on interest rates with the Choice Package. 250,000 Velocity Frequent Flyer point offer, conditions apply.

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Ask a question
feedback