Virgin Money has a head office in Sydney and offers a range of financial products and services, including credit cards, superannuation, home loans, insurance and savings account.
Virgin Money Home Loan Calculator
Interested in an Virgin Money home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Virgin Money compares to its competitors. Simply plug in your borrowing amount below.
Virgin Money home loans rates
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Fixed - 2 years
- Low rates.
- Flexible repayment options.
- Discounted rates for large deposits and loan sizes.
- Limited loan options.
- No branch access.
- Monthly fee.
Virgin Money’s home loan customers can contact the lender via a number of specialised customer phone lines; there’s one for loans and general customer assistance, as well other lines for financial hardship and overdue accounts. Customers can also contact the bank via email or online.
- Customer service centre (phone)
- Mobile app
- Online banking
How to Apply
Virgin Money allows customers to apply for a home loan via a network of affiliated mortgage brokers. Appointments can be made at the Virgin Money website and customers will then be contacted by a broker via phone or email at a selected time. Customers can also make enquiries via the Virgin Money phone line. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:
- Personal identification documents.
- Proof of income and earnings.
- Details on employment type and status.
- Information on current debts, liabilities and assets.
- Personal insurance documents.
If you are a refinancer, you will also have to provide past home loan statements and a current payout quote for the loan you wish to refinance.
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Refinancing your home loan can involve a bit of paperwork but if you are moving on to a lower rate, it can save you thousands of dollars in the long-run. The first step is finding another loan on the market that you think will save you money over time or offer features that your current loan does not have. Once you have selected a couple of loans you are interested in, compare them with your current loan to see if you will save money in the long term on interest rates and fees. Remember to factor in any break fees and set up fees when assessing the cost of switching.
Once you have decided on a new loan it is simply a matter of contacting your existing and future lender to get the new loan set up. Beware that some lenders will revert your loan back to a 25 or 30 year term when you refinance which may mean initial lower repayments but may cost you more in the long run.