If you’re ready to apply for a Reward Me Home Loan there’s three ways to get in touch – call us, complete the form below and we’ll call you or find a Mortgage Broker near you.

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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.

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        GETTING THERE
        Important stuff

        Information is current as at 30 November 2018 and is subject to change.

        Reward Me Home Loan BSB: 122-771

        Home Loans: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 promotes and distributes the companion account and the home loans as the authorised representative and credit representative of the issuer and credit provider, Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence/AFSL 244 616 (the 'Lender').

        The Lender's standard credit assessment criteria apply. Interest rates quoted are indicative only, and are subject to change without notice. See fees and charges that may be payable.

        #Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of 80% or less. These rates are for secured lending only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and fees are subject to change without notice. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

        Insurance products: Information and advice provided about our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information and advice having regard to your personal financial situation, needs and objectives, and obtain and read the relevant Product Disclosure Statement and Financial Services Guide (available for download from virginmoney.com.au) before deciding whether to buy or to continue to hold any insurance product. Virgin Car, Virgin Home & Contents Insurance, Virgin Life Insurance and Virgin Income Protection Insurance are promoted by Virgin Money (Australia) Pty Limited (Virgin Money) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Car, Home and Contents Insurances: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Life and Income Protection Insurances are distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies are administered and claims are paid by TAL Direct under an agreement with the insurers, St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 which issues the Involuntary Unemployment Cover, and TAL Life Limited ABN 70 050 109 450 AFSL 237848 which issues the life insurance benefits.

        Credit Cards: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") distributes the Virgin Money Credit Cards ("Credit Cards") as the authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740, Australian credit licence 244616 ("BOQ"). Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 ("Citibank") is the credit provider and issuer of the Credit Cards. All interest rates shown are variable. Applicants must be at least 18 years of age to apply for a credit card. Permanent residents must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to Citibank's credit criteria. 

        BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards and Citibank will not guarantee or otherwise support BOQ's obligations under the home loans.

        Virgin Money's exclusive home loan offers cannot be combined with other Virgin Money credit card or Virgin insurance offers and do not apply to any renewal offers of insurance. Virgin Money reserves the right to change or withdraw these exclusive offers at any time without notice.

        • Things you need to know
          1. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Only the person listed as the Primary Borrower on the application will be eligible for Velocity Points, subject to meeting our eligibility criteria.

          2. 1,000 Velocity Points allocated for every full $10,000 drawn at settlement. For construction loans, Velocity Points are paid after first drawing.

          3. Anniversary Points, currently 30,000 Velocity Points, are paid on every 3 year anniversary of the settlement date provided total borrowings are greater than $50,000 (net of any balances held in a linked offset facility). Points are only paid once regardless of the number of split borrowings a customer has with us and they must be a continuous Reward Me Home Loan customer during the period.

          4. You may apply for rate lock by paying a fee before the lending date or effective date of the relevant fixed rate.

          5. 1,000 Velocity Points per loan account per month.

          6. 1,000 Velocity Points are allocated for every full $10,000 drawn at settlement. For construction loans Velocity Points will be paid after the first drawing (paid in $10,000 increments).

          7. Offer available to Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (Virgin Money) Home Loans customers. Access to the offer is via the Virgin Money internet banking portal. Fares are on sale from 20 December 2017 until midnight AEST 10 June 2018 unless sold out prior. Eligible fares include all fares classes on flights on the Virgin Australia domestic network and flights between Australia and Denpasar, Nadi, Port Moresby, Rarotonga, Nuku'alofa, Port Vila on Virgin Australia flight numbers and operated by Virgin Australia for travel until 30 June 2018. Flights must be booked 20 days in advance of the travel date.  All fares are subject to availability and may vary until ticketed. International return fare may vary with the addition of local taxes and charges. Payments made via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% (capped at $11 domestic and $70 international per passenger per booking) of the total value of the card transaction. Bookings made by phone or at the airport attract a Guest Contact Centre Fee of $40 for domestic and international short haul. 10 % discount   does not apply to taxes and airline surcharges or any other fees or charges and cannot be used in conjunction with any other promotion. Change/Cancel: Bookings can be changed/cancelled by paying the fee and any applicable fare difference in accordance with the fare rules, as published on our website on the day you request your change. For current change and cancel fees, see Virgin Australia’s Fees page. Baggage: Different fares attract different baggage allowances that may increase for Silver, Gold and Platinum Velocity members. Selected fares may not include a checked baggage allowance. Additional fees will be charged for baggage in excess of the published allowances. For current inclusive baggage allowances and fees for excess baggage see www.virginaustralia.com/baggage. Go to www.virginaustralia.com for full terms and conditions. Neither Virgin Money nor any of its related companies accept any liability for Virgin Money customer use of the Virgin Australia booking system, the Virgin Australia carrier service or any related matters concerning travel with Virgin Australia. This exclusive Virgin Australia offer to Virgin Money Home Loans customers cannot be combined with any other Virgin Australia flight offer and both Virgin Money and Virgin Australia reserve the right to change or withdraw this offer at any time without notice.

          8. Open to eligible employees who apply for a new Virgin Money Reward Me Home Loan between between 27 August and 30 November 2018 and settle by 28 February 2019. This includes purchase or a refinance of a home or investment from another external lender (refinancing of BOQ or BOQS loans not permitted. Eligibility criteria:
            a) All employees of Bank of Queensland Ltd including employees of its wholly owned subsidiaries, Owner Managers and employees employed by Owner Managers
            b) Casual staff, contractors or consultants are not eligible for the employee benefits
            c) Employees must have successfully completed their probation to be eligible for the benefits

          9. Cash withdrawal limits, fees and charges may apply.

          10. Offer is available to Eligible Employees of the following Partners: Virgin Australia, Virgin Active, Virgin Wines, TAL, Auto and General, Mercer, Citibank, Allianz Global Assistance, Visa, Velocity, Torque, Genworth or DXC. Eligible Employees are all full time and part time employees who have completed the required probation period for the relevant Partner. Casual staff, contractors or consultants are not eligible for the Offer. Once the Eligible Employee is no longer employed by the relevant Partner, any new lending falls outside of this Offer. Offer is only available to applications made by the Eligible Employee directly calling 13 81 51 and is not available if an application is made through a broker. The Eligible Employee will be required to provide payslips from the Partner as part of the application process and to prove eligibility for the Offer. Offer ends 30 November 2018.

          11. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 3 December 2018. This offer is valid until 31 January 2019. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. Velocity Points are not issued for balance transfers.

          12. Unless advertised otherwise, the interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or while you have Balance Transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

          13. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

          14. Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please ask us for additional details.

          15. The Virgin Australia Gift Voucher benefit is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder on your card within 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of Use for full details.

          16. 20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 January 2019. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $10,000 on Eligible Transactions within 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

          17. 20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 31 January 2019. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $5,000 on Eligible Transactions within 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card applications must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

          18. The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Gift Voucher Benefit Terms & Conditions for full details.

          19. The quoted redemption fares are correct as at 22 May 2018 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Price is based on a one way economy or return Reward Seat fare or business Reward seat fare as specified, and must be booked on the Velocity website. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. Price may vary until ticketed. All payments made on the internet or on the phone via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% of the total value of the card transaction (capped at $70 per passenger per booking). For Rewards Seat bookings on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply, view more information here. You may also be entitled to a refund under the Australian Consumer Law in certain circumstances. Add $40 or 5,200 Points for international short haul bookings or $70 or 8,800 Points for international long haul booking per person for bookings made on the phone. A checked baggage allowance is included in your fare, view Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. View the Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.

          20. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.

          21. Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000 and is subject to Terms, Conditions, Exclusions. Some limits and excess may apply. Full Terms and Conditions are available here. With regards to Travel Insurance specifically, note that you must pay for your overseas flights with your Virgin Australia Velocity High Flyer Card in order for you, your spouse and any dependent children to be eligible for cover, and they must travel with you.

          22. Exclusions and conditions apply. See the Product Disclosure Statement for full details. Not available in Northern Territory, North Queensland and Northern Western Australia.

          23. The 30% discount applies to new combined Virgin Home and Contents Insurance policies purchased online on or after 30 March 2017. GST and statutory charges still apply. Cannot be combined with other Virgin insurance offers and does not apply to any renewal offer of insurance. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount.

          24. 10,000 Velocity Points is available to new Virgin Home and/or Contents Insurance customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only valid if you purchase a Virgin Home and/or Contents policy online at virginmoney.com.au/home-and-contents and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Velocity Points will be credited to eligible Velocity Account's up to 60 days after policy commencement date. This offer is valid from 01 March 2016 to 31 December 2019 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance Velocity offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Home & Contents Insurance customers (including renewals).

          25. Virgin Income Protection Insurance is available to Australian residents between 18-60 years of age. Applications subject to acceptance. On the spot cover is available with our Quick & Easy option and Tailored options. Exclusions apply including pre-existing medical conditions, suicide, and dangerous activities. See the PDS for full details.

          26. Virgin Life Insurance is available to Australian residents aged 18-65 years of age. On the spot cover is available with our Quick & Easy option. Exclusions apply including Pre-Existing Medical Conditions, Known Genetic Conditions, suicide, Dangerous Occupations and Dangerous Pastimes. See the PDS for full details.

          27. 10,000 Velocity Points is available to new Virgin Life Insurance and Virgin Income Protection customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only available when applied for over the phone and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points can be received for each new Virgin Life Insurance and/or Income Protection policy. In order to receive the Velocity Points the policy-holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Points will be credited to eligible Velocity account up to 60 days after the policy has become active and the 30 day cancellation period has expired. This offer is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Life Insurance or Virgin Income Protection offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Life Insurance or Virgin Income Protection customers (including renewals).

          28. If premium freeze is selected the sum insured will decrease as you age.

          29. 25,000 Velocity Points Offer is available to new approved customers who take out a Virgin Life Insurance or Virgin Income Protection Insurance policy who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. The campaign period is 1 November 2018 – 31 January 2019. To qualify for this offer, your minimum monthly premium must not be less than $80 per month per policy. To receive the Velocity Points the qualifying premium must remain the same or be of greater value and all premiums must be paid and up to date during the qualifying period. The qualifying period is 6 months following the commencement date of the policy. Points will be credited to the eligible Velocity account up to 30 days after the qualifying period in a single lump sum offering. Offer is only available when a valid Velocity number is provided at the time of application. In order to receive the Velocity Points the policyholder’s name must match the Velocity name and account number provided. If the policy is issued in more than one name, then only one person may be nominated for receiving the Velocity Points. This offer is valid for policies purchased and commenced within the campaign period. This offer is subject to change or removal at the discretion of Virgin Money. The Velocity Membership Terms and Conditions apply. If you’re not a Velocity member you can join Velocity for free. This offer cannot be used in conjunction with any other Virgin Life Insurance or Virgin Income Protection offers, is not redeemable for cash and is not transferable. Offer is not available to existing Virgin Life Insurance or Virgin Income Protection customers (including renewals).

          30. The Lender's standard credit assessment criteria apply. Fees and charges may be payable. 304,000 Velocity Points over 6 years assumes you qualify for the Virgin Money limited time Double Settlement Points offer, your borrowings split across two loan accounts for the 6 year period, minimum aggregate net balance of at least $50,000 and earn rate remains the same for the period shown.