Important disclosure

6.37
% p.a
Variable
6.51
% p.a
$2,001
based on $300,000 loan amount for 25 years at 6.37%
Calculate your repayments for this loan
Your estimated repayment
$2,001
based on $300,000 loan amount for 25 years at 6.37%
Virgin Money home loans are available through brokers who can help find the right loan and manage your application at no charge.
Lee HAO
Get expert advice from a home loans specialist.
Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.
CRN: 484532
Jurad Blanusa
Get expert advice from a home loans specialist.
Loanscope sets the standard for finance broking in Australia by delivering what we promise: quality service, expert advice and tailored loans at low, low rates. We: - Offer tailored, personalised services - Take a long-term approach - Compare home loans from more than 30+ different lenders - Provide expert advice - Have an impressive track record for home loan approvals - Make the process simple - Offer after-hours appointments as required - Always have your best interests at heart - Are members of the Finance Brokers Association of Australia. As a growing finance brokerage, Loanscope has built a strong reputation and forged close relationships with the major banks, non-bank lenders and non-conforming lenders. We have hundreds of home loan packages at our fingertips and the expertise to find one to meet your current needs and future financial aspirations. We can recommend reputable conveyancers, accountants, financial planners and other professionals to complement our service.
CRN: 424779
Melissa Huynh
Get expert advice from a home loans specialist.
Melissa has many years experience within the Finance Industry. Having started her career as a Financial Planner and over 7 years as an award winning Mortgage Broker with a strong focus on customer service. Melissa is highly efficient and will get the job done! Whether you have a complex situation or Commercial loan Melissa will strive to find you the most competitive and suitable loan options and ensure you are educated and kept up to date throughout the process.
ACL: 481374

Owner Occupier Accelerates - Celebrate (Principal and Interest)
3.79
% p.a
Variable
3.79
% p.a
The more of your home you pay off, the lower your rate could be. This low rate is available for borrowers with equity of 40% or more.
Quick home loan review
For Reward Me Home Loan (Principal and Interest) ($750k+, LVR 90%-95%)
These are the benefits of this home loan.
- 100% full offset account
- Suitable for low deposits
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- Higher than average interest rate
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Reward Me Home Loan (Principal and Interest) ($750k+, LVR 90%-95%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 95% | Total Repayments $600,300 |
Interest rate type Variable | |
Borrowing range
$750k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account 100% offset account |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 450 | Application fee 300 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 150 | Other upfront fee 0 |
Ongoing fee $10 monthly | Discharge fee 350 |
Application method
Online | Phone |
Broker | In branch |
- Cashback $2500 cashback when you refinance.For all new refinance applications received between 1 July 2022 and 31 August 2022 (inclusive) and that settle by 30 November 2022. Minimum loan amount $300,000 and up to 80% loan-to-value ratio. You will need to open a Reward Me Home Loan Companion account alongside your loan, where the $2,500 cashback payment will be credited within 60 days of settlement.
Target Market Determination
Visit Virgin Money to view Target Market Determination.
Other Benefits
Velocity Points at Settlement, Monthly and every 3 years
Other Restrictions
PAYG customers only
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