We recognise your value with discounted interest rates based on the size of your home loan and loan-to-value ratio and reward you with Velocity Points1 to say thanks for joining us, for simply repaying your loan each month5 and for sticking with us every 3 years3. Plus we bring you exclusive Virgin Money offers and other red-hot Virgin family perks. When was the last time your bank thanked you? We're all for giving you something back.


Variable rate home loan

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.

Competitive interest rates with extra flexibility so that when your needs change, your loan can flex too.

  • Rate discounts based on LVR and loans size for loans with an LVR OF 90% or under
  • Velocity Points on settlement1 , monthly2 and every 3 years3
  • 100% interest offset
  • Redraw - minimum $100
  • Unlimited additional repayments

Fixed rate home loan

3 Year Fixed
3.87% p.a.
Comparison Rate#
3.91% p.a.

Available for new occupied principal and interest loans (applications received from 27 November 2017) with an LVR of 90% or less and borrowings of $300,000 or more

If you'd like the certainty of knowing what your repayments will be for a fixed period of time, our Reward Me Fixed Rate Home Loan could be just right for you.

  • Fixed terms 1-5 years
  • Velocity Points on settlement2 , monthly5 and every 3 years3
  • Ability to rate lock – secure the rate you apply for, for up to 100 days4
  • 100% interest offset available on 1 year fixed rate
  • Ability to repay up to $10,000 in additional repayments per year
  • Reverts to a discounted variable rate at the end of the fixed rate period" to "Loan with and LVR of 90% and under revert to a discounted variable rate on expiry of their fixed rate

How do you earn Velocity Points?

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.


20,000 Velocity Points for every $100,000 drawn at settlement.6


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

Who we lend to

Our Reward Me Home Loan is available for the following purposes:

  • Individual and joint personal applicants, no companies or trusts
  • Multiple applicants and guarantors
  • Applicants with PAYG income
  • Purchase or refinance of residential property
  • Construction of residential property
  • Purchase of vacant land & construction (home & land package)
  • Property improvements (including renovations)

Get started today

Virgin Money Home Loans - Download our Product Essentials Guide

Product Essentials Guide

Download our little features and benefits guide and have it handy when you meet with a broker to discuss your home loan needs

Download Reward Me Home Loan (Variable) Product Essentials

Download Reward Me Home Loan (Fixed) Product Essentials

Download Construction Loan Product Essentials

Virgin Money Home Loans - Get ready to apply

Get ready to apply

Download our checklist to ensure that you have everything ready to make applying for a home loan as easy and quick as possible

Download Virgin Money Home Loan Checklist 

Virgin Money Home Loans - Apply with a mortgage broker

How to apply

Get in touch with us

Learn more about home loans

Why Virgin Money Home Loans?

We thought it was time Virgin Money shook up the home loan market. So we created a home loan that works hard for you in many ways:

At last, a home loan that rewards me

When was the last time your bank thanked you? Our Reward Me Home Loan is all about giving our customers something back. Rewarding our customers for their loyalty with Velocity Points along the way, exclusive Virgin Money bundle offers just for home loan customers and as part of the Virgin family you'll also have access to other great benefits across the Virgin group as well.

We recognise your value

We like to recognise the value of our customers, that’s why we offer discounted variable interest rates based on loan size and loan-to-value ratio.

We'll tell it like it is

We're taking a stand against jargon, hidden charges and broken promises. So we're not going to bamboozle you with information. Instead we promise to be straight up and keep it simple.

We're small enough to be different with a bank by our side

We're a well-known & trusted brand established to shake up the market and provide a real alternative to the Big 4 Banks. By teaming up with Bank of Queensland, one of Australia’s leading regional banks, we offer stability and solidity, along with Virgin’s renowned ability to do things differently and better.

Ready to apply?

We'll call you

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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.