Virgin Money

Virgin Money Australia is passionate about helping Australians realise bigger possibilities through the delivery of beautifully simple and rewarding financial products, all backed by Virgin’s legendary customer service. They reject the notion of complex financial services. Instead, they aim for clarity and simplicity in everything they do.

Virgin Money home loans

Compare
Virgin Money Reward Me Variable Rate Home Loan (Owner, Principal and Interest)

Virgin Money Reward Me Variable Rate Home Loan (Owner, Principal and Interest)

Interest rate (p.a.)

2.74%

Comp rate^ (p.a.)

2.91%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,834.70

Total repayment

$660,492.00

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Variable Rate Home Loan (Owner, Interest Only)

Virgin Money Reward Me Variable Rate Home Loan (Owner, Interest Only)

Interest rate (p.a.)

3.57%

Comp rate^ (p.a.)

3.61%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,038.33

Total repayment

$733,798.80

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Fixed Rate Home Loan (Owner, Principal and Interest)

Virgin Money Reward Me Fixed Rate Home Loan (Owner, Principal and Interest)

Interest rate (p.a.)

2.49%

Comp rate^ (p.a.)

2.89%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$1,775.71

Total repayment

$639,255.60

Highlights

  • Competitive fixed rates for 1 to 5 year terms.
  • Lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
  • Additional repayments up to $10,000 per annum.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Fixed Rate Home Loan (Owner, Interest Only)

Virgin Money Reward Me Fixed Rate Home Loan (Owner, Interest Only)

Interest rate (p.a.)

2.49%

Comp rate^ (p.a.)

3.45%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,775.71

Total repayment

$639,255.60

Highlights

  • Competitive fixed rates for 1 to 5 year terms.
  • Lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
  • Additional repayments up to $10,000 per annum.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Variable Rate Home Loan (Investor, Principal and Interest)

Virgin Money Reward Me Variable Rate Home Loan (Investor, Principal and Interest)

Interest rate (p.a.)

3.34%

Comp rate^ (p.a.)

3.50%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,980.73

Total repayment

$713,062.80

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Variable Rate Home Loan (Investor, Interest Only)

Virgin Money Reward Me Variable Rate Home Loan (Investor, Interest Only)

Interest rate (p.a.)

3.49%

Comp rate^ (p.a.)

3.53%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,018.19

Total repayment

$726,548.40

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Fixed Rate Home Loan (Investor, Principal and Interest)

Virgin Money Reward Me Fixed Rate Home Loan (Investor, Principal and Interest)

Interest rate (p.a.)

2.69%

Comp rate^ (p.a.)

2.99%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$1,822.82

Total repayment

$656,215.20

Highlights

  • Competitive fixed rates for 1 to 5 year terms.
  • Lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
  • Additional repayments up to $10,000 per annum.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Fixed Rate Home Loan (Investor, Interest Only)

Virgin Money Reward Me Fixed Rate Home Loan (Investor, Interest Only)

Interest rate (p.a.)

2.89%

Comp rate^ (p.a.)

3.15%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$1,870.63

Total repayment

$673,426.80

Highlights

  • Competitive fixed rates for 1 to 5 year terms.
  • Lock in a rate at the time of application for up to 100 days to protect yourself from any potential rate rises until the lending date. Fees and charges apply.
  • Additional repayments up to $10,000 per annum.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Home Loan Construction (Owner, revert to Principal and Interest after final drawdown)

Virgin Money Reward Me Home Loan Construction (Owner, revert to Principal and Interest after final drawdown)

Interest rate (p.a.)

3.10%

Comp rate^ (p.a.)

3.08%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,921.57

Total repayment

$691,765.20

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Home Loan Construction (Owner, revert to Interest Only after final drawdown)

Virgin Money Reward Me Home Loan Construction (Owner, revert to Interest Only after final drawdown)

Interest rate (p.a.)

3.62%

Comp rate^ (p.a.)

3.67%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,050.96

Total repayment

$738,345.60

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Standard Variable Home Loan Construction (Owner, revert to Principal and Interest after final drawdown)

Virgin Money Standard Variable Home Loan Construction (Owner, revert to Principal and Interest after final drawdown)

Interest rate (p.a.)

4.32%

Comp rate^ (p.a.)

4.36%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$2,232.21

Total repayment

$803,595.60

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Home Loan Construction (Owner, revert to Interest Only after final drawdown)

Virgin Money Standard Variable Home Loan Construction (Owner, revert to Interest Only after final drawdown)

Interest rate (p.a.)

4.32%

Comp rate^ (p.a.)

4.36%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,232.21

Total repayment

$803,595.60

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Reward Me Home Loan Construction (Investor, revert to Principal and Interest after final drawdown)

Virgin Money Reward Me Home Loan Construction (Investor, revert to Principal and Interest after final drawdown)

Interest rate (p.a.)

3.54%

Comp rate^ (p.a.)

3.52%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,030.76

Total repayment

$731,073.60

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Reward Me Home Loan Construction (Investor, revert to Interest Only after final drawdown)

Virgin Money Reward Me Home Loan Construction (Investor, revert to Interest Only after final drawdown)

Interest rate (p.a.)

3.49%

Comp rate^ (p.a.)

3.55%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,018.19

Total repayment

$726,548.40

Highlights

  • Make every dollar count with mortgage offset - As long as you have a positive balance in this account, you won't be charged any ongoing fees for maintaining it.
  • Extra flexibility to redraw and make unlimited additional repayments.

Bank promo

  • Get a little something back with $3,000 cashback when you refinance with Virgin Money. Terms, Eligibility & Credit Criteria apply. New eligible refinance loans & companion account. Apply 27 February 2021 to 28 May 2021, settle by 27 August 2021. Min. loan amount of $300,000 and up to 80% LVR.
Virgin Money Standard Variable Home Loan Construction (Investor, revert to Principal and Interest after final drawdown)

Virgin Money Standard Variable Home Loan Construction (Investor, revert to Principal and Interest after final drawdown)

Interest rate (p.a.)

4.54%

Comp rate^ (p.a.)

4.58%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$2,290.79

Total repayment

$824,684.40

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Home Loan Construction (Investor, revert to Interest Only after final drawdown)

Virgin Money Standard Variable Home Loan Construction (Investor, revert to Interest Only after final drawdown)

Interest rate (p.a.)

4.54%

Comp rate^ (p.a.)

4.58%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,290.79

Total repayment

$824,684.40

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Rate (Owner, Principal and Interest)

Virgin Money Standard Variable Rate (Owner, Principal and Interest)

Interest rate (p.a.)

4.12%

Comp rate^ (p.a.)

4.28%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$2,179.62

Total repayment

$784,663.20

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Rate (Owner, Interest Only)

Virgin Money Standard Variable Rate (Owner, Interest Only)

Interest rate (p.a.)

4.32%

Comp rate^ (p.a.)

4.36%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$2,232.21

Total repayment

$803,595.60

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Rate (Investor, Principal and Interest)

Virgin Money Standard Variable Rate (Investor, Principal and Interest)

Interest rate (p.a.)

4.34%

Comp rate^ (p.a.)

4.49%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$2,237.50

Total repayment

$805,500.00

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Standard Variable Rate (Investor, Interest Only)

Virgin Money Standard Variable Rate (Investor, Interest Only)

Interest rate (p.a.)

4.54%

Comp rate^ (p.a.)

4.58%

Max LVR

90.00%

Application fee

$300.00

Monthly repayment

$2,290.79

Total repayment

$824,684.40

Highlights

  • Split your borrowings and lock in a portion of your loan with a fixed rate to get repayment certainty over a fixed period.
  • Rate discounts based on LVR and loans size for loans with an LVR of 90% or under.
Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Owner, Principal and Interest) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Owner, Principal and Interest) LVR <80%

Interest rate (p.a.)

1.94%

Comp rate^ (p.a.)

2.77%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,649.82

Total repayment

$593,935.20

Highlights

  • Competitive fixed interest rates.
  • Reverts to a discounted variable rate on expiry of the fixed-rate term.
  • Additional repayments up to $10,000 per annum .
Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Investor, Principal and Interest) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Investor, Principal and Interest) LVR <80%

Interest rate (p.a.)

2.39%

Comp rate^ (p.a.)

2.93%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,752.42

Total repayment

$630,871.20

Highlights

  • Competitive fixed rates for 1 to 5 years terms.
  • Additional repayments up to $10,000 per annum.
  • Reverts to the discounted variable rate on expiry of the fixed term.
Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Investor, Interest Only) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Investor, Interest Only) LVR <80%

Interest rate (p.a.)

2.59%

Comp rate^ (p.a.)

3.09%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,799.17

Total repayment

$647,701.20

Highlights

  • Competitive fixed rates for 1 to 5 years terms.
  • Additional repayments up to $10,000 per annum.
  • Reverts to the discounted variable rate on expiry of the fixed term.
Virgin Money Reward Me Fixed Rate Home Loan (3 years) $300K and above (Investor, Principal and Interest) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (3 years) $300K and above (Investor, Principal and Interest) LVR <80%

Interest rate (p.a.)

2.39%

Comp rate^ (p.a.)

2.89%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,752.42

Total repayment

$630,871.20

Highlights

  • Competitive fixed rates for 1 to 5 years terms.
  • Additional repayments up to $10,000 per annum.
  • Reverts to the discounted variable rate on expiry of the fixed term.
Virgin Money Reward Me Fixed Rate Home Loan (3 years) $300K and above (Investor, Interest Only) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (3 years) $300K and above (Investor, Interest Only) LVR <80%

Interest rate (p.a.)

2.59%

Comp rate^ (p.a.)

3.06%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,799.17

Total repayment

$647,701.20

Highlights

  • Competitive fixed rates for 1 to 5 years terms.
  • Additional repayments up to $10,000 per annum.
  • Reverts to the discounted variable rate on expiry of the fixed term.
Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Owner, Interest Only) LVR <80%

Virgin Money Reward Me Fixed Rate Home Loan (2 years) $300K and above (Owner, Interest Only) LVR <80%

Interest rate (p.a.)

2.59%

Comp rate^ (p.a.)

3.40%

Max LVR

80.00%

Application fee

$300.00

Monthly repayment

$1,799.17

Total repayment

$647,701.20

Highlights

  • Competitive fixed rates for 1 to 5 years terms.
  • Additional repayments up to $10,000 per annum.
  • Reverts to the discounted variable rate on expiry of the fixed term.

Q&As

Isn’t Virgin an airline?

Yes, but Richard Branson is a busy guy who likes to start companies, hence Virgin Money.

In 2008, the five-year agreement came to an end and the Virgin Credit Card was withdrawn from the Australian market, although Virgin Money continued to operate a number of financial services in Australia. In 2010, Virgin relaunched a new selection of credit cards offering a very attractive mixture of no fees, low rates and beneficial reward programs.