Loaded Home Loan
Start off strong with a new Loaded Home Loan which makes owning a property ultra rewarding.{sub-heading}
Variable rate offer
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{hlx-rates || 98049 || Rate} p.a.%
Variable rate5
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{hlx-rates || 98049 || Comparison Rate} p.a.%
Comparison rate21
Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 60% LVR11.
Competitive rates
Looking for competitive home loan rates in Australia? We’ve got you.{sub-heading}
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5. Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 60% LVR11.
6. Available for new 2yr fixed Owner Occupier, principal & interest loans, Minimum loan $20K, max 80% LVR11.
Features and benefits
Our home loans are built to help you get the most out of your home loan. Straight up – more value, more flexibility, more rewards.{sub-heading}
Earn more points as a settlement bonus
You’ll cop a generous 2,000 Velocity Points for every $10,000 you borrow.15 Talk about a housewarming gift.
Plus Points every month for repaying your home loan on time
Score a repayment reward of 1,000 Velocity Points per borrower per month15 (as long as you’re not behind on your home loan!).
Lock in your rate – or do the splits
Split your loan into fixed and variable portions – lock in your repayments on one part, and keep the freedom of a variable rate on the rest. Win-win.
Control your repayments and redraw when you need
Made extra repayments but need the cash back? Easy. With our variable rate home loan, you can redraw anytime (minimum $100 per redraw).
100% interest offset
Up to 10 linked Virgin Money Go offset accounts.
How you could earn Velocity Points with your Loaded Home Loan
Settlement Bonus
2,000 Velocity Points for every $10,000 you borrow
Monthly Points
1,000 Velocity Points per borrower, per month, so long as you're not behind on your home loan.
Anniversary Bonus (years 1 -3)
2,000 Velocity Points for every $10,000 of outstanding loan balance (less any offset balance).
How your Virgin Money points become Velocity Points
Your Virgin Money Points convert to Velocity Points at a 2:1 ratio.
After your Velocity membership is validated, conversion happens automatically, at the end of each month.{sub-heading}
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Loaded home loan rates and fees
We make it clear and simple so you don’t feel like you’re missing out on a better deal. See our full list of fees and charges that could apply or to compare interest rates.{sub-heading}
Owner Occupier
Buying or refinancing your principal place of residence? A Loaded home loan is your principal place of great rates and rewards.
Owner Occupier - Variable <$150K
Owner Occupier - Variable >$150K - $400K
Owner Occupier - Variable >$400K - $700K
Owner Occupier - Variable >$700K +
Owner Occupier - Fixed LVR 0% to 60%
Owner Occupier - Fixed LVR 60.01% to 70%
Owner Occupier - Fixed LVR 70.01% to 80%
Owner Occupier - Fixed LVR 80.01% to 90%
Owner Occupier - Fixed LVR 90.01% to 95%
Investor
Buying or refinancing a place to rent out? We’re invested in making investing more rewarding for you.
Investor - Variable <$150K
Investor - Variable >$150K - $400K
Investor - Variable >$400K - $700K
Investor - Variable >$700K +
Investor - Fixed LVR 0% to 60%
Investor - Fixed LVR 60.01% to 70%
Investor - Fixed LVR 70.01% to 80%
Investor - Fixed LVR 80.01% to 90%
Investor - Fixed LVR 90.01% to 95%
Key upfront fees
While there’s loads of features in our packed home loan, these are our only up-front fees.{sub-heading}
$295 p.a.
Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.
$150
To prepare your loan documents and settle your home loan.
$750
Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
Banking calculators & tools
We love making things easy! Our tools and calculators help you work out all the important home loan stuff.{sub-heading}
Frequently asked questions
Here are your go-to answers for getting the most from your Rewards.{sub-heading}
What is Virgin Money Rewards?
Is Virgin Money Rewards the same as Velocity?
Virgin Money Rewards is a unique Rewards program for Virgin Money customers with eligible products. We have many different ways to earn points and reward yourself. However, if you love earning Velocity Frequent Flyer points too, you can simply redeem your Virgin Money Rewards points for Velocity points7 (or one of several other travel partners) in the Virgin Money app.
Simply head to Rewards > Redeem > Transfer points to your travel program > Select your preferred travel program.
Please note: You will likely see the points in your linked travel program within 24 hours but could take up to 5 business days.
Is the Offer available for existing Virgin Money or other BOQ Group home loans?
What rate are my Virgin Money Points converted to Velocity Points?
Virgin Money Points are transferred to Velocity Points with a conversion rate of 2 Virgin Money Points to 1 Velocity Point.
Where a Velocity Membership Number is provided and validated, this conversion occurs automatically each calendar month.
Are Virgin Money Points automatically converted to Velocity Points?
If you provide a valid Velocity Membership Number and we are able to validate your Velocity Membership the auto-redemption to Velocity will be enabled and your Virgin Money Points will be converted to Velocity Points on the last calendar day of each month.
You can manage or change your auto‑redemption preferences in the Virgin Money app.
Head to the Virgin Money app:
- Virgin Money app > Rewards tab > Redeem > Transfer points to your travel program > Velocity Frequent Flyer
- On the Velocity Frequent Flyer redemption page, scroll to the bottom where your auto-redemption option is shown. You can see the linked Velocity account and update your details if needed.
I am a Velocity Member, but the other borrower is not, will they still earn Bonus Points?
Yes, we award Virgin Money Bonus Points to the other borrower even if they are not a Velocity Member, Settlement Bonus Points and Anniversary Bonus Points are split between Joint Borrowers.
They will be unable to convert their rewards balance to Velocity Points until their Velocity Membership is validated.
What happens if my Velocity Membership details are invalid or incorrect?
If your Velocity Membership Number cannot be validated, you will be asked to update your details in the Virgin Money app.
Virgin Money Points will only be converted to Velocity Points once your valid Velocity Membership is verified.
How many points can I earn at settlement?
Eligible customers may receive 4,000 Virgin Money Bonus Points per full $10,000 of the Total Loan Amount advanced on the Settlement Date.
The award of 4,000 Virgin Money Bonus Points per full $10,000 of the Total Loan Amount advanced can be transferred for 2,000 Velocity Points.
How long does it take for my Virgin Money Bonus Points to be awarded?
- Settlement and monthly points are generally credited within 5 business days after the relevant criteria are met.
- Anniversary Bonus Points are credited within 60 business days of the anniversary date.
All points are credited to your Virgin Money Rewards account, if you have auto-redeem to Velocity enabled your rewards balance will be converted to Velocity Points on the last day of the month.
Do I earn points every month?
This Offer is in addition to the ability of each Borrower to earn 2,000 Monthly Bonus Points for holding your Loaded Home Loan as set out in the Rewards Terms (“Ongoing Loaded Monthly Bonus Points Offer”) which can be transferred for 1,000 Velocity Points.
Monthly Bonus Points are separate from Settlement and Anniversary Bonus Points and are subject to ongoing eligibility criteria being met.
How many points can I earn at anniversary?
Eligible customers may receive 4,000 Virgin Money Bonus Points per $10,000 of net loan balance (outstanding loan balance less any offset balance(s)).
The award of 4,000 Virgin Money Bonus Points per full $10,000 of net loan balance can be transferred for 2,000 Velocity Points.
Anniversary points are only awarded following years 1, 2 and 3.
How do you allocate points between Joint Borrowers?
If I settle multiple Loaded Home Loans, am I eligible for this offer on each of them?
What happens if I switch my Loaded Home Loan to a Lite Home Loan?
Will I continue to earn points if I refinance or close my loan?
If I open a Go offset transaction account with my Loaded Home Loan, am I eligible for points on that account?
What happens if I already have auto‑redemption set to Points to Cash?
Does auto‑redemption apply to my existing Points balance?
Can I opt out of auto‑redemption to Velocity Points?
What happens once my Virgin Money Points are transferred to Velocity?
Loaded home loan support and FAQs
Here you'll find all your home loan questions answered!{sub-heading}
Contact us
Find support, contact details & important information. {sub-heading}