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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. 

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Why choose Virgin Money


  • Low rates.
  • Flexible repayment options.
  • Discounted rates for large deposits and loan sizes.


  • Limited loan options.
  • No branch access.
  • Monthly fee.

Virgin Money Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Contact a mortgage broker

Virgin Money home loans are available through brokers who can help find the right loan and manage your application at no charge.

broker profile picture

Alisa Keattichaidumrong

Customer Representative Number: 542499
34 Google reviews

Get expert advice from a home loans specialist.

I started my career in finance back in 2011 where I had the opportunity to work in personal lending, credit assessment a...

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broker profile picture

Matt Mara

Customer Representative Number: 530577

Get expert advice from a home loans specialist.

LoanCaddie is a financial services firm specialising in finance broking and strategic credit advice. Mathew is a leader...

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Customer Representative Number: 479649
21 Google reviews

Get expert advice from a home loans specialist.

I am a dedicated Finance and Mortgage Broker who put my clients first. I possess a wealth of knowledge and skills in the...

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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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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.