Choose a home loan that’s right for you

We make it clear and simple so you don’t feel like you’re missing out on a better deal. And we’ll even discount your interest rate based on the size of your home loan and loan-to-value ratio.

Variable home loan
Fixed home loan Construction loan

KEY FEATURES

  • Discounted rate based on your LVR and loan size
  • 100% interest offset
  • Option to redraw (minimum $100)
  • Unlimited additional repayments

KEY FEATURES

  • No interest rate rises during the fixed term
  • Ability to rate lock4
  • Additional repayments up to a total of $10,000 anniversary of the fixed loan without incurring additional charges
  • Revert to a discounted variable rate upon expiry of your fixed rate

KEY FEATURES

  • Purchasing vacant land and construction (Home & Land Package)
Enquire now Enquire now Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

Additional fees apply

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

A fee of 0.15% of the fixed loan amount if you elect to rate lock4

Additional fees apply

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

$250
Construction fee –  Contract Builder.

Additional fees apply

VARIABLE HOME LOAN RATE

Variable rate from
2.39% p.a.

Comparison rate from*
2.56% p.a.

Available for new owner occupied principal and interest loans with minimum 40% deposit and balances of $500,000 or more, submitted on or after 3 June 2021.

FIXED HOME LOAN RATE

Fixed rate from
1.98% p.a.

Comparison rate from*
2.66% p.a.

Available for new owner occupied principal and interest loans with an LVR of 80% or less and total borrowings of $300,000 or more, submitted on or after 3 June 2021.

CONSTRUCTION LOAN RATE

Variable Rate from
2.59% p.a.

(reverting to Principal & Interest repayment after final drawdown)

Comparison rate from*
2.58% p.a.

Available for new owner occupied principal and interest loans with minimum 40% deposit and balances of $500,000 or more, application submitted on or after 3 June 2021.

Enquire now

Tell me more

Enquire now

Tell me more

Enquire now

Tell me more

 

Variable home loan

KEY FEATURES

Discounted rate based on your LVR and loan size

100% interest offset

Option to redraw (minimum $100)

Unlimited additional repayments

Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

Additional fees apply

VARIABLE HOME LOAN RATE

Variable rate from
2.39% p.a.

Comparison rate from*
2.56% p.a.

Available for new owner occupied principal and interest loans with minimum 40% deposit and balances of $500,000 or more, submitted on or after 3 June 2021.

Enquire now

Tell me more

Fixed home loan

KEY FEATURES

No interest rate rises during the fixed term

Ability to rate lock4

Additional repayments up to a total of $10,000 anniversary of the fixed loan without incurring additional charges

Revert to a discounted variable rate upon expiry of your fixed rate

Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

A fee of 0.15% of the fixed loan amount if you elect to rate lock4

Additional fees apply

FIXED HOME LOAN RATE

Fixed rate from
1.98% p.a.

Comparison rate from*
2.66% p.a.

Available for new owner occupied principal and interest loans with an LVR of 80% or less and total borrowings of $300,000 or more, submitted on or after 3 June 2021.

Enquire now

Tell me more

Construction loan

KEY FEATURES

Purchasing vacant land and construction (Home & Land Package)
This home loan option allows you to pay your builder in progress payments at each major stage of construction. Virgin Money Reward Me Home Loan Interest Only Variable Rate will apply during the construction period.

Enquire now

FEES

$0
First Valuation, any further valuation will be charged for.

$10
Monthly fee charged to each loan account

$250
Construction fee –  Contract Builder.

Additional fees apply

CONSTRUCTION LOAN RATE

Variable Rate from
2.59% p.a.

(reverting to Principal & Interest repayment after final drawdown)

Comparison rate from*
2.58% p.a.

Available for new owner occupied principal and interest loans with minimum 40% deposit and balances of $500,000 or more, application submitted on or after 3 June 2021.

Enquire now

Tell me more

 


Discover the home loan interest rate that suits you

Whether you are looking for purchasing a home, investing in a property or refinancing your home loan, we have a loan that will suit your every need.

Find my home loan interest rate

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

    Find a home loan that's tailored to you

    I'm a first home buyer

    We’re here to help you find the right loan for your first home, get answers to all your questions and buy with confidence.

    Tell me more

    I'm an investor

    Looking to maximise your investments return? Use our investment calculator to help find the loan that’s right for you.

    Tell me more

    I'm building a new home

    Planning on building a new house and looking for a construction loan? We’ll help you every step of the way, from slab down to lock up.

    Tell me more

    Know what it’s like to live there before you live there

    Looking for your first home, a new home or looking to sell your current one? We’re here to help. We’ll help you sort the diamonds from the duds with our online property reports and suburb insights.

    Tell me more

    Fixed or Variable rates?

    We can certainly tell you about the pros and cons of both fixed and variable home loans, plus what to look out for.

    Tell me more

    Tools & support

    We love making things easy! So our handy tools and calculators will help you work out all the important stuff when it comes to home loans.

    View all our calculators

    Why choose Virgin Money?

    Award winning

    We don’t mean to boast, but we’ve picked up some awards, which shows we’re doing things right by our customers and they like what we’re doing.

    Transparency

    We keep our rates simple and easy, meaning you don’t miss out on a better deal.

    Value exchange

    We recognise and reward the value of our customers, with discounted variable rates based on the loan size and the loan-to-value ration (the size of your deposit).

    Redraw

    You can redraw on any additional repayments made from your variable loan at any time with no extra charges (minimum redraw $100).

    Astounding offset

    A companion account on all variable rate home loans that’ll help you offset your loan balance and reduce your interest.

    Lock it in (or part of it)

    Split your loan in to a variable and fixed portion. You’ll get the security of a low fixed rate for a portion of your loan and all the benefits and flexibility of a variable rate for the other portion.

    Ready to get started?    Enquire now   Call us on 13 81 51

     

    $3,000 home loan cashback offer

    Get a little something back with $3,000 home loan cashback38 when you refinance with us. T&Cs apply.

    Tell me more

    $2,000 cashback offer46

    Get $2,000 cashback46 when you keep your Home Loan with us. T&Cs apply.

     

    Tell me more



    Enquire about a Virgin Money Home Loan

    We'll call you

    Let us know what time suits you and we'll give you a call.

    You call us

    Chat to us today about a Reward Me Home Loan please call us on 13 81 51.
    We’re available Monday to Friday 8am – 6pm (AEST) excluding public holidays.

    • You can talk to your broker, or us – whatever works for you.
    • You’ll get the same awesome service every time you need to pick up the phone, with our Customer Care Team located right here in Australia.
    • We’re 100% owned by Bank of Queensland, one of Australia’s leading regional banks, so you can feel confident we’re here to support you for the long-term.