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Get a little something back

The Virgin Money Reward Me Home Loan rewards you with our lowest rates ever, fantastic Virgin Money service that’s upfront and transparent, and a $2,500 cashback at settlement on eligible loans38.

As a result, you could be financially better off – now, and in the future. Meaning more for you and more for your home.

Our lowest rates yet

You’ll experience transparency & simplicity about our rates so you don’t feel like you’re missing out on a better deal. It’s simple: the bigger your deposit and/or loan, the bigger discount you’ll receive. We call it the value exchange.

Fixed rate home loan

2 Year Fixed Rate
2.29% p.a.
Comparison rate*
2.91% p.a.

Available for new owner occupied principal & interest loans (applications received from 18 May 2020) with an LVR of 80% or less and total borrowings of $300,000 or more.

Variable rate home loan

Variable Rates from
2.60% p.a.
Comparison rate*
2.77% p.a.

Available for new owner occupied principal and interest loans with minimum 40% deposit and balances of $750,000 or more.

Home Loan Rate Finder

Find the rate that's right for you and what your repayments could be with a Reward Me Home Loan. Rates displayed are for new borrowings only.

  1. Step 1
  2. Step 2 (optional)
  1. Purpose of home loan
  2. Repayment method
  3. My deposit
    $
  4. Property price
    $
  5. Rate type
  6. Loan term
    years
    What you need to know
    Choose the right home loan for you

    I'm a first home buyer

    We’re here to help you buy your first home. Find the best first home buyer loan, get answers to all your questions and buy with confidence.

    Tell me more

    I'm building a new home

    Planning on building a new house and looking for a construction loan? We've got the answers to help you take the next step.

    Tell me more

    I want to refinance my home loan

    Make sure your home loan is working for you. Explore your refinance home loan options, learn why it’s a good idea, when to do it and save.

    Tell me more

    I'm moving home

    Moving house? Find out about moving your home loan to your new house whether you’re moving up, moving down or just moving on.

    Tell me more


    I'm an investor

    Let us show you how to invest in property and maximise your return. Find the investment property loan that’s right for you.

    Tell me more

    It's time for my home renovation

    Planning a home renovation? We’ll help you through it, from how to get a home renovation loan to how to avoid overcapitalisation.

    Tell me more

    Features & benefits

    Competitive interest rates

    Enjoy some of the lowest rates we've ever had. Plus we recognise and reward the value of our customers with discounted variable interest rates based on loan size and loan-to-value ratio.

    Offset account

    Our Reward Me Home Loan comes with a Home Loan Companion Account that we'll open for you. Available on our variable and 1 year fixed rate loans. You can use it to offset your loan balance and reduce your interest.

    Redraw

    If you're ahead of your minimum repayments, you can redraw those funds online at any time (minimum redraw amount $100) with no extra charges.

    Split borrowings

    You can split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.

    Get the most out of your home loan

    Property Report

    Property & suburb reports

    Request your reports online today to get information on what a property is worth and relevant suburb insights.

    Find out more

    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 

    Talk to us

    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.

    We'll call you

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