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3.39
% p.a
Variable
3.31
% p.a
$848
based on $300,000 loan amount for 25 years at 3.39%
Calculate your repayments for this loan
Your estimated repayment
$848
based on $300,000 loan amount for 25 years at 3.39%
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
Lumbini Wekunagoda
Get expert advice from a home loans specialist.
Lumbini Wekunagoda is the founder of Melfinance. A boutique Mortgage Broker firm in Melbourne. Lumbini has a passion for helping his clients make their financial life easier. Lumbini specialises in helping people achieve their financial goals. Our goal is to educate you and empower you. With over 10 years in the Mortgage Broker Industry, Lumbini is highly experienced and known for his tenacity in helping his clients. Lumbini also has a diploma in Mortgage Broking, MBA from the University of Wales, Cert IV, MFAA, ASIC registered and licensed Mortgage Broker. Lumbini is known for giving as much of his time as is required to each client. No question is too small and no task too big. Lumbini’s clients feel as though they truly have someone on their side throughout the process. A real advocate for them who makes the whole process easy and stress-free. He also leaves them feeling comfortable that they are fully educated and empowered to make informed decisions with zero remorse. "Why do I like my role as a Mortgage Broker? I do this because I get enormous satisfaction from helping people achieve their goals and educating the. Seeing a client in a better positon after I have helped them gives me a huge buzz"
CRN: 444210
Jingxia (Suzanne) Wang
Get expert advice from a home loans specialist.
With double master degrees of Professional Accounting and Commerce and over 3 years working experiences in the mortgage broking industry, Suzanne has been developing a wider sense of what her clients need and how to achieve their dreams of buying or building their own homes as well as increasing their investment property portfolio to build wealth. Suzanne loves meeting new clients and catching up with existing clients, she has a passion for delivering professional skills and experience to customise a solution for her clients to secure their financial future. On weekends she enjoys spending time with her family, reading books with her child, and going for long walks in the park. Suzanne Wang is a credit representative 534100 of BLSSA Pty Ltd ACN 117 651 760 (Australia Credit License 391237).
CRN: 484532
Russel Gomes
Get expert advice from a home loans specialist.
Russel is an independent residential and business, broker. He specialised in working with a significant number of SME business owners and self-employed persons, for whom he has produced sophisticated solutions that have earned the gratitude of his clients. Consumers will receive the same quality of care regardless of whether they choose to purchase their first home, make an investment, or are in a situation of insurmountable debt. Russel is an expert at identifying the optimal combination of choices for his customers and assisting them through a successful business or real estate transaction and debt relief procedure. Due to his expertise in the mortgage industry and his unique perspective, he has been able to provide customised solutions for his clients.
CRN: 532008
Duncan Tonkin
Get expert advice from a home loans specialist.
Duncan is the Director of Villa Finance Group and has 24 years of experience in the banking and finance industry. Having had a fulfilling and successful 12 year career at ANZ, he moved into Mortgage Broking and founded Villa Finance Group in 2013. Villa Finance Group prides itself on developing long-term relationships not just the initial home loan, including yearly interest rate reviews and regular updates in relation to your home and investment loans. Duncan has a passion for assisting clients build wealth through property. Whether it be assisting first home buyers to navigate the entire purchase process, advising families how to pay off their loans sooner, implementing investment strategies for clients seeking to enter the investment property market or experienced investors with a growing investment property portfolio. Duncan holds an MBA (Management) from Macquarie Graduate School of Management, a Bachelor of Business (HR) and a Certificate IV in Finance and Mortgage Broking Management.
CRN: 454057

Low Rate Home Loan - Prime (Owner Occupied) (Interest Only)
3.04
% p.a
Variable
2.84
% p.a
Pay only the interest on your owner-occupied home loan to help manage your mortgage payments for a limited time.
Quick home loan review
For Reward Me Home Loan (Interest Only) ($500k-$750k, LVR 60%-80%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- 100% full offset account
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Reward Me Home Loan (Interest Only) ($500k-$750k, LVR 60%-80%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 80% | Total Repayments $254,400 |
Interest rate type Variable | |
Borrowing range
$500k
-
$750k
| 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 |
Target Market Determination
Visit Virgin Money to view Target Market Determination.
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