Virgin Money Home Loans

2.79% p.a. 3-year Fixed Owner Occupier Principal & Interest loans with new borrowings of $300,000 or more and up to 80% LVR
3.26% p.a. Comparison rate*

Enjoy Velocity points for the life of your loan!



Life Insurance Comparison

Competitive interest rates

We recognise and reward the value of our customers with discounted variable interest rates based on loan size and loan-to-value ratio.

Offset account

Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. Available on our variable and 1 year fixed rate loans.

Split borrowings

You can split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.


If you're ahead of your minimum repayments, you can redraw those funds online at any time (minimum redraw amount $100) with no extra charges.

No application fees

There are no application fees on our variable rate loan. For other key fees and charges applying to your loan, refer to our Fees and Charges section below.

See how you could recieve 254,000 Velocity Points over 6 years on borrowings of $500,000*

*Assumes borrowings split across two accounts for a 6 year period and maintain a minimum combined net balance across of all accounts of at least $50,00

Important stuff

Information is current as at 29 November 2019 and is subject to change.

Reward Me Home Loan BSB: 122-771

Home Loans: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 promotes and distributes the companion account and the home loans as the authorised representative and credit representative of the issuer and credit provider, Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence/AFSL 244 616 (the 'Lender').

The Lender's standard credit assessment criteria apply. Interest rates quoted are indicative only, and are subject to change without notice. See fees and charges that may be payable.

+Available for new fixed rate Owner Occupied Principal and Interest home loan applications submitted on or after 29 November 2019. Only available for new borrowings of $300,000 or more with a maximum Loan to Value Ratio up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing Virgin Money home loans.

#Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of 60.01%-80%. These rates are for secured lending only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and fees are subject to change without notice. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Insurance products: Information and advice provided about our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information and advice having regard to your personal financial situation, needs and objectives, and obtain and read the relevant Product Disclosure Statement and Financial Services Guide (available for download from before deciding whether to buy or to continue to hold any insurance product. Virgin Car, Virgin Home & Contents Insurance, Virgin Life Insurance and Virgin Income Protection Insurance are promoted by Virgin Money (Australia) Pty Limited (Virgin Money) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Car, Home and Contents Insurances: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Life and Income Protection Insurances are distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies are administered and claims are paid by TAL Direct under an agreement with the insurers, St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 which issues the Involuntary Unemployment Cover, and TAL Life Limited ABN 70 050 109 450 AFSL 237848 which issues the life insurance benefits.

Credit Cards: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") promotes and distributes the Virgin Money Credit Cards ("Credit Cards") as the authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740, Australian credit licence 244616 ("BOQ"). Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 ("Citibank") is the credit provider and issuer of the Credit Cards. All interest rates shown are variable. Applicants must be at least 18 years of age to apply for a credit card. Permanent residents must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to Citibank's credit criteria.

BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards and Citibank will not guarantee or otherwise support BOQ's obligations under the home loans.

Virgin Money's exclusive home loan offers cannot be combined with other Virgin Money credit card or Virgin insurance offers and do not apply to any renewal offers of insurance. Virgin Money reserves the right to change or withdraw these exclusive offers at any time without notice.

Things you need to know