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.

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
    What you need to know

    How do you earn Velocity Points?

    With the Reward Me Home Loan, you don’t just earn Velocity Points upfront, you’ll earn Points for the life of your loan – now that’s refreshing.


    10,000 Points for every $100,000 drawn on settlement.2

    1,000 Points per month

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

    30,000 Points every 3rd year

    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.

    Where could you fly with your Velocity Points?20

    89,600 Points + $282.36 Taxes, Fees & Carrier Charges

    Return, Economy Reward seat Sydney to Los Angeles

    35,600 Points + $296.72 Taxes, Fees & Carrier Charges

    Return, Economy Reward seat Brisbane to Nadi, Fiji

    150,000 Points + $678.30 Taxes, Fees & Carrier Charges

    Return, Economy Reward seat Melbourne to London

    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

    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.

    Talk to us

    We'll call you

    Enter your details and we'll call you back.

    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.