Rates worth getting excited about

Whether you’re buying your first or your fifth home, it's one of the largest financial decisions you'll ever make. That's why we give you the flexibility to choose between a competitive fixed rate or a competitive variable rate that’s discounted based on the size of the loan and your loan-to-value ratio. Discover our rates online today.

Variable Rates from:
3.64% p.a.
Comparison Rate#
3.78% p.a.

Available for new owner occupied principal & interest loans with minimum 20% deposit and balances of $750,000 or more.

Go from Home Loan to holiday with Velocity Points1

Having a home loan doesn’t mean your holiday dreams go on hold. With a Reward Me Home Loan you can go from home loan to holiday with Points on settlement, every month and every 3 years.

How you earn Velocity Points


10,000 Velocity Points for every $100,000 drawn at settlement2


A further 1,000 Velocity Points every month (per loan account).5


Receive 30,000 Velocity Points every 3 years3 you are a continuous Reward Me Home Loan customer, when your loan balance remains above $50,000.


See how you could supercharge your Velocity Points balance with one of our insurance products or a Virgin Australia Velocity Card with our exclusive Virgin Money offers just for home loan customers.

Where could you fly with your Velocity Points?20

89,600 Points + $158.26 Taxes, Fees & Carrier Charges

Return, Economy Sydney to Los Angeles

35,600 Points + $264.38 Taxes, Fees & Carrier Charges

Return, Economy Brisbane to Nadi, Fiji

119,000 Points + $164.85 Taxes, Fees & Carrier Charges

Return, Business-Class Melbourne to Hong Kong

Get the most out of your Home Loan

Virgin Money Home Loans - Managing your home loan is easy

Managing your home loan is easy

Here's where you'll find everything that you need to set-up, use and manage your home loan.

Find out more 

Virgin Money Home Loans - Rewards and benefits

Rewards and benefits

Our Reward Me Home Loan is built to reward and thank you for your loyalty.

Find out more 

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Call us

If you’re ready to apply for a Reward Me Home Loan please call us on 13 81 51
We’re available Monday to Friday 8am – 6pm (AEST) excluding public holidays.

Meet with us

Get in touch with a mortgage broker.