Virgin Money Home Loans

Virgin Money is a financial services company that was founded in 2003 by the Virgin Group and Macquarie Bank. The company was bought by the Bank of Queensland in 2013.

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

Reward Me Home Loan (Principal and Interest) ($75k-$500k, LVR < 80%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
3.68%
Variable
Upfront fee
$150.00
Comparison rate*
3.82%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed 2 Years (New Customer)
Advertised rate
3.85%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
3.85%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed 3 Years (New Customer)
Advertised rate
3.87%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
3.87%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 2 Years (LVR < 90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
3.99%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
3.87%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 1 Year (LVR < 90%)
Advertised rate
4.24%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
3.87%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 3 Years (LVR < 90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
3.90%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 4 Years (LVR < 90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.34%
Fixed - 4 years
Upfront fee
$150.00
Comparison rate*
4.04%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 5 Years (LVR < 90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$150.00
Comparison rate*
4.15%
Ongoing fee
$10 monthly
Compare
Reward Me Investment Loan Fixed 2 Years (New Customer)
Advertised rate
3.95%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
4.20%
Ongoing fee
$10 monthly
Compare
Reward Me Investment Loan Fixed 3 Years (New Customer)
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
4.20%
Ongoing fee
$10 monthly
Compare
Reward Me Investment Loan (Principal and Interest) ($75k-$500k, LVR < 80%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.09%
Variable
Upfront fee
$150.00
Comparison rate*
4.23%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan (Principal and Interest) ($75k-$500k, LVR 80%-90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.09%
Variable
Upfront fee
$150.00
Comparison rate*
4.23%
Ongoing fee
$10 monthly
Compare
Reward Me Investment Loan (Principal and Interest) ($75k-$500k, LVR 80%-90%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.19%
Variable
Upfront fee
$150.00
Comparison rate*
4.33%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 3 Years (LVR 90%-95%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
4.85%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 2 Years (LVR 90%-95%)RewardsEarn 1,000 velocity points for every $10k borrowed at settlement. Earn a further 1,000 velocity points every month. Earn a further 30,000 velocity points every three years.
Advertised rate
4.39%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
4.89%
Ongoing fee
$10 monthly
Compare
Reward Me Home Loan Fixed (Principal and Interest) 1 Year (LVR 90%-95%)
Advertised rate
4.44%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
4.93%
Ongoing fee
$10 monthly
Compare
Pros:
  • Low rates.
  • Flexible repayment options.
  • Discounted rates for large deposits and loan sizes.
Cons:
  • Limited loan options.
  • No branch access.
  • Monthly fee.
Virgin Money customer service:

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
  • Email

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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