Virgin Money home loans

Explore Virgin Money's range of home loans for home-owner and investors.

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Virgin Money

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Find everything you need to know about Virgin Money's home loans on this page. Skip ahead to the full table of products or read more about Virgin Money's home loans below.

Compare Virgin Money Home Loans

Compare Virgin Money home loans below. Hit "load more" to see a fuller selection of home loans and hit "Enquire now" to start your application process.

Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Virgin Money Reward Me Fixed Rate Home Loan
2.66% p.a.
$10 monthly ($120 p.a.)
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 August 2021 and settle by 26 November 2021.
Virgin Money Reward Me Fixed Rate Home Loan
2.83% p.a.
$10 monthly ($120 p.a.)
A fixed investment loan from Virgin Money. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 August 2021 and settle by 26 November 2021.
Virgin Money Reward Me Variable Home Loan
2.76% p.a.
$10 monthly ($120 p.a.)
$3,000 refinance cashback.
A variable rate loan for owner occupiers with a 40% deposit (or equity) borrowing under $500,000. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 29 August 2021 and settle by 26 November 2021.

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Virgin Money lender profile

Virgin Money mortgage features

Virgin Money has a small set of mortgage products but they have plenty of options whether you're a home buyer or investor.

Deposit sizeYou can borrow between 80 and 95% with Virgin Money home loans, depending on the product.
Offset accountSome Virgin Money mortgages come with a 100% offset account, depending on the product and your borrowing situation.
Redraw facilityVirgin Money's Reward Me home loans offer a fee free redraw facility with a minimum amount of $1,000.

How do I apply for a Virgin Money mortgage?

You can learn more about a specific Virgin Money home loans by clicking through to that product's review page. Clicking the ''Enquire Now'' button will let you enter your details and start the process of talking to a Virgin Money lending specialist.


Each Virgin Money product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

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:

  • Identification documents. You will need identification such as a driver's license, 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).

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2 Responses

    Default Gravatar
    KylieFebruary 24, 2019

    I am wanting to talk to someone about changing over who my current home loan is with

      Avatarfinder Customer Care
      JohnFebruary 25, 2019Staff

      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!


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