Rating based on 41 reviews

Virgin Money

  • Home loans up to $800,000
  • Low-interest starting from 2.74%
  • Repayment up to 30 years

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Virgin Money homepage
Author Virgin Money. Screenshot of Virgin Money website.
[Accessed April 12, 2018]

Virgin Money - A trusted credit provider

Welcome, you doubtlessly know our brand as being trusted worldwide and also know that we are well-known for shaking things up a little plus that we offer real alternatives when we think our people warrant a fair go.

Virgin Money is zealous with regards to assisting Australians, recognise the fact that there are better choices, We offer attractive yet simple financial products, supported by Virgin’s well-known customer service. We discard the idea of complex financial services; we rather aim for simplicity and uncomplicatedness in everything we do.

Our products

Our existing offers consist of home loans, retirement loans, credit cards, life insurance, car insurance and travel insurance, home, and contents insurance and income protection.

However, we’re not sleeping on our successes, so it can be expected to see even more great services as well as a great value product from us in the future.

This is the reason why you should choose Virgin Money home loans

Virgin Money thought it was time to shake up the home loan market, so we decided to create a home loan that works hard for you in various ways.

We offer competitive mortgage rates

We’ve been told that it’s rewarding to get something back when making a big investment. Yes, we offer competitive mortgage rates but that’s nowhere it ends because our Reward Me home loan is very rewarding and because we’re Virgin and we strive to do things differently.

Virgin rewards you with Velocity Points to show our appreciation for joining us. We are familiar with the value of discounted interest rates founded on the size of your home loan and loan-to-value ratio and since you repay your loan each month and for supporting Virgin. And we give you exclusive Virgin Money offers and red-hot family perks. Can you remember when the last time was that your bank said a simple thank you? Virgin Money is all about giving a little something back.

Velocity Points Calculator

You get more than just competitive rates with the Reward Me Home Loan, you also earn Velocity points on settlement of your loan, you also earn points monthly as your loan comes down plus you earn even more points on your third year and that our way of saying thank you. Eventually, you can say a home loan that rewards me.

Virgin money is taking a stand against gobbledygook, hidden charges, and broken promises. But we do promise to be straight up and keep it plain and simple because we tell it like it is!

Virgin Money – Home loan

  • Loan Type Home loans
  • Interest Rate from 2.74%
  • Loan Amount up to $800,000
  • Repayment 1 year to 30 years

Benefits of Virgin Money

  • Get an obligation free quote
  • Choose between home loan options
  • Get a home credit report

Virgin Money - We are reliable

We are a reliable and well-known brand established to shake up the market providing alternatives to the bigger Banks.

Virgin Money has teamed up with the Bank of Queensland which is one of Australia’s leading regional banks in order to offer you stability and solidity together with our renowned ability to do things a bit different and better. We allow you to quickly and easily apply for a loan online through our online platform. 

Talk to us about - Flexible rate home loans and home loan rewards and benefits

  • We are a bit different in terms of giving something back as you can see in our Reward Me Home Loan which was built to recognise the value of our customers and to say thank you for your loyalty.
  • Discounts on our flexible rates – this depends on your loan to the ratio as well as the size of your loan.
  • Earn Velocity Points – this is one way of saying thank you for being a great customer. Points on a settlement points every 5 months and points end every 3 years
  • Exclusive Virgin Money offers – we offer insurance and credit card products exclusively for home loan customers.
  • Virgin family perks – you have the right to use to red-hot offers and involvements from other Virgin family businesses in Australia.
  • Supercharge your Velocity Points balance by making use of our insurance and credit card offers, this offer is exclusive for Reward Me Home Loan customer and make use of our calculator and see how many points you are able to earn.
  • Plus you could continue earning Velocity Points on your loan as you go along. We have only shown you the first 10 years in this example.

Who we lend to

Virgin Money Reward Me Home Loan and related property finance products are available for the following purposes:

Any individual and or joint applicants but we do not accept companies or trusts, multiple applicants, and guarantors, all applicants with a PAYG income, any person who wants to purchase or the refinance of residential property and the construction of residential property.

Plus, Home & land package, the purchase of vacant land & construction and this includes property investment & renovations Australian Government regulations stop you from accessing your super benefit until such time that you retire from the workplace and have reached your preservation age.  You are able to access your super in the following situations although conditions may apply.

Should you leave employment and you have less than $200 in your benefit. Should you leave profitable employment after the preservation age which is generally 60 years of age but you can take a look at your preservation age at in our FAQ.

Should you become permanently disabled; terminally ill, or you have experienced severe financial struggles and you do meet certain requirements. Should you be in need of cash and you have compassionate grounds, this was approved by the Prudential Regulation Authority. If you are a short-term resident and have a specified class of visa and you’re permanently departing from Australia. You’re a short-term resident on a specified class of visa and you permanently depart Australia.

man holding thumbs up

Virgin Money is a trusted & reliable provider of home loans

In our review, Virgin Money adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

Virgin Money is a registered credit provider in Australia: ACL 238098

Customer Reviews & Testimonials

Virgin Money made buying my dream home a reality and they did it fast! I couldn't thank them enough.

Linda S
— Gold Coast —

VM has been the key to unlocking the door to this new part of our lives - we are now able to start a new chapter in our lives in our new home thanks to their affordable home loans!

Megan H
— Townsville —

Virgin offers true value and service to anyone wishing to obtain a mortgage from them. I can easily recommend them.

Bradley V
— Melbourne —

I was able to get an affordable loan with a low deposit by using Virgin Money to get a home loan.

Stuart N
— Canberra —

Virgin Money Contact

Physical Address

Postal Address

  • Virgin Money GPO Box 898, Brisbane, 4001, Australia

Opening Hours

  • Monday 07:00 – 23:00
  • Tuesday 07:00 – 23:00
  • Wednesday 07:00 – 23:00
  • Thursday 07:00 – 23:00
  • Friday 07:00 – 23:00
  • Saturday 07:00 – 23:00
  • Sunday 07:00 – 23:00