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Virgin Money Reward Me Fixed Rate Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan of at least $300,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $300,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $300,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $75,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $75,000 and $499,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $75,000 and $499,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $75,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $750,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $75,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $750,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $75,000 and $499,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $750,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $75,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $75,000 and $499,999 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $750,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $750,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $500,000 and $749,999 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $300,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $300,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $300,000

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $75,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $750,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $75,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $750,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $75,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $500,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $750,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $75,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000 $749,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $750,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $75,000 $499,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $749,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $750,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $75,000 $499,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000 $749,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $750,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $75,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $500,000 $749,999

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $75,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $750,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $750,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $500,000 $749,999

Fixed 3 year rate
2.35% p.a.
Comparison Rate*
2.88% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
2.69% p.a.
Comparison Rate*
3.34% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
2.99% p.a.
Comparison Rate*
3.38% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.01% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.08% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.01% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.48% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.44% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.15% p.a.
Comparison Rate*
3.40% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.85% p.a.
Comparison Rate*
4.57% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.85% p.a.
Comparison Rate*
4.57% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.85% p.a.
Comparison Rate*
4.57% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.89% p.a.
Comparison Rate*
3.85% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.89% p.a.
Comparison Rate*
3.81% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.89% p.a.
Comparison Rate*
3.78% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.45% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.38% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.34% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.53% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.53% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
3.45% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.65% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.61% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.87% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.61% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.80% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Fixed 3 year rate
3.49% p.a.
Comparison Rate*
3.83% p.a.
Service fee
$10.00 monthly
Upfront fee
$450

Mozo editorial review Virgin Money Reward Me Fixed Rate Home Loan

Last updated: 25 May 2020.

binocular icon
What's hot
  • Competitive fixed rates from 2.29% (2.91% comparison rate*) for 2 years
  • Extra repayments (capped)
What's not
  • $320 discharge fee
Mozo snapshot

With a number of competitive fixed rates starting from 2.29% (2.91% comparison rate*) for a 2 year term, the Reward Me Fixed Rate Home Loan from 2019 Mozo Experts Choice Award winner Virgin Money could be a great option for anyone wanting some repayment stability at the start of their loan. And if competitive fixed rates aren’t enough, homebuyers will also be able to make free extra repayments up to $10,000 per year. 

key icon
Key features

Love the idea of knowing exactly what you’re home loan repayments will be, or just want to safeguard yourself from a potential rate rise for as long as possible? Well the Virgin Money Reward Me Fixed Rate Home Loan not only makes it easy, it makes attractive with fixed rate offers for 1-5 year terms for both owner occupiers and investors.

Owner occupiers can get particularly competitive fixed rate deals, with interest rates that start as low as 2.29% (2.91% comparison rate*) for 2 year fixed terms and 2.35% (2.88% comparison rate*) for 3 year fixed terms.

Meanwhile investors will be able to take advantage of rates as low as 2.69% (3.39% comparison rate*) for fixed 2 year terms and 2.69% (3.34% comparison rate*) for fixed three year terms.

Depending on the type of Reward Me Fixed Rate Home Loan borrowers choose, they’ll need a minimum deposit of at least $75,000 (and often higher) and a minimum deposit of at least 5% (also can be higher).

Aside from competitive rates, the loan also offers homeowners the chance to make free extra repayments towards their loans of up to $10,000 a year, as well as choose the schedule at which they want to make their repayments - either on a weekly, fortnightly or monthly basis.

When it comes to other costs the Reward Me Fixed Rate Home Loan does come with an application fee ($300), settlement ($150), service ($10 per month) and discharge fees ($350).

snapshot
Who is it good for

The Virgin Money Reward Me Fixed Rate Home Loan could be a great option for buyers wanting the peace of mind and budgeting certainty that comes with a fixed rate loan, especially if they can take advantage of Virgin's competitive 2-3 year fixed rate offers.

snapshot
Any catches

While there is an offset account available with the Reward Me Fixed Rate Home Loan, it is only on offer with 1 year fixed terms (which aren't available to borrowers that qualify for the special low rates). 

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.29% (2.91%*)

  • 2.35% (2.88%*)

  • n/a

  • 2.99% (3.07%*)

  • n/a

  • n/a

  • 3.27% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $300,000

  • none

  • none

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.69% (3.39%*)

  • 2.69% (3.34%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.44% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $300,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (3.40%*)

  • 2.99% (3.38%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.49% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $300,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (2.91%*)

  • 2.84% (2.92%*)

  • 3.15% (3.01%*)

  • 2.99% (2.99%*)

  • 3.39% (3.16%*)

  • n/a

  • n/a

  • 2.74% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.00%*)

  • 2.84% (3.01%*)

  • 3.15% (3.08%*)

  • 2.99% (3.05%*)

  • 3.39% (3.22%*)

  • n/a

  • n/a

  • 2.84% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (2.91%*)

  • 2.84% (2.92%*)

  • 3.15% (3.01%*)

  • 2.99% (2.99%*)

  • 3.39% (3.16%*)

  • n/a

  • n/a

  • 2.74% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.48%*)

  • 2.84% (3.44%*)

  • 3.15% (3.48%*)

  • 2.99% (3.41%*)

  • 3.39% (3.54%*)

  • n/a

  • n/a

  • 3.37% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.43%*)

  • 2.84% (3.40%*)

  • 3.15% (3.44%*)

  • 2.99% (3.37%*)

  • 3.39% (3.51%*)

  • n/a

  • n/a

  • 3.32% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.39%*)

  • 2.84% (3.36%*)

  • 3.15% (3.40%*)

  • 2.99% (3.34%*)

  • 3.39% (3.48%*)

  • n/a

  • n/a

  • 3.27% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.29% (4.65%*)

  • 3.54% (4.58%*)

  • 3.85% (4.57%*)

  • 3.49% (4.39%*)

  • 3.89% (4.47%*)

  • n/a

  • n/a

  • 4.62% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • 90.00%

  • 95.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.29% (4.65%*)

  • 3.54% (4.58%*)

  • 3.85% (4.57%*)

  • 3.49% (4.39%*)

  • 3.89% (4.47%*)

  • n/a

  • n/a

  • 4.62% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • 90.00%

  • 95.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.29% (4.65%*)

  • 3.54% (4.58%*)

  • 3.85% (4.57%*)

  • 3.49% (4.39%*)

  • 3.89% (4.47%*)

  • n/a

  • n/a

  • 4.62% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • 90.00%

  • 95.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.70%*)

  • 2.79% (3.63%*)

  • 3.89% (3.85%*)

  • 4.39% (4.04%*)

  • 4.49% (4.13%*)

  • n/a

  • n/a

  • 3.62% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.66%*)

  • 2.79% (3.59%*)

  • 3.89% (3.81%*)

  • 4.39% (4.01%*)

  • 4.49% (4.11%*)

  • n/a

  • n/a

  • 3.57% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (3.61%*)

  • 2.79% (3.55%*)

  • 3.89% (3.78%*)

  • 4.39% (3.97%*)

  • 4.49% (4.08%*)

  • n/a

  • n/a

  • 3.52% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.56%*)

  • 3.00% (3.44%*)

  • 3.14% (3.45%*)

  • 4.09% (3.75%*)

  • 3.59% (3.60%*)

  • n/a

  • n/a

  • 3.34% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.47%*)

  • 3.00% (3.36%*)

  • 3.14% (3.38%*)

  • 4.09% (3.68%*)

  • 3.59% (3.54%*)

  • n/a

  • n/a

  • 3.24% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.43%*)

  • 3.00% (3.32%*)

  • 3.14% (3.34%*)

  • 4.09% (3.65%*)

  • 3.59% (3.51%*)

  • n/a

  • n/a

  • 3.19% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.65%*)

  • 3.00% (3.52%*)

  • 3.14% (3.53%*)

  • 4.09% (3.82%*)

  • 3.59% (3.66%*)

  • n/a

  • n/a

  • 3.44% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.65%*)

  • 3.00% (3.52%*)

  • 3.14% (3.53%*)

  • 4.09% (3.82%*)

  • 3.59% (3.66%*)

  • n/a

  • n/a

  • 3.44% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.56%*)

  • 3.00% (3.44%*)

  • 3.14% (3.45%*)

  • 4.09% (3.75%*)

  • 3.59% (3.60%*)

  • n/a

  • n/a

  • 3.34% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.70%*)

  • 3.34% (3.62%*)

  • 3.49% (3.65%*)

  • 4.19% (3.88%*)

  • 3.79% (3.77%*)

  • n/a

  • n/a

  • 3.49% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.65%*)

  • 3.34% (3.58%*)

  • 3.49% (3.61%*)

  • 4.19% (3.85%*)

  • 3.79% (3.74%*)

  • n/a

  • n/a

  • 3.44% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.97%*)

  • 3.34% (3.87%*)

  • 3.49% (3.87%*)

  • 4.19% (4.08%*)

  • 3.79% (3.95%*)

  • n/a

  • n/a

  • 3.79% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $75,000

  • $499,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.65%*)

  • 3.34% (3.58%*)

  • 3.49% (3.61%*)

  • 4.19% (3.85%*)

  • 3.79% (3.74%*)

  • n/a

  • n/a

  • 3.44% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • none

  • 80.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.88%*)

  • 3.34% (3.79%*)

  • 3.49% (3.80%*)

  • 4.19% (4.02%*)

  • 3.79% (3.89%*)

  • n/a

  • n/a

  • 3.69% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $750,000

  • none

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (3.92%*)

  • 3.34% (3.83%*)

  • 3.49% (3.83%*)

  • 4.19% (4.05%*)

  • 3.79% (3.92%*)

  • n/a

  • n/a

  • 3.74% p.a.

Fees

  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits

  • $500,000

  • $749,999

  • 80.00%

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - up to $10,000 per annum

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • none

  • $2,500 cashback for new borrowings of at least $300,000 with applications made by 28 August 2020 and settled by 30 October 2020.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Virgin Money home loans rated by the Mozo community?

Overall customer rating
7.0/10

Based on 9 Virgin Money home loan reviews

Price
7.9/10
Features
7.0/10
Customer service
6.9/10
Convenience
5.9/10
Trust
6.8/10

Latest review of Virgin Money Reward Me Fixed Rate Home Loan

  • Overall 9/10
    Great customer service.

    I received an excellent rate however had to push to get it. Customer service is excellent however the online banking system could be improved as I can’t change things without having to call and speak to someone for example.

    Read full review

    I received an excellent rate however had to push to get it. Customer service is excellent however the online banking system could be improved as I can’t change things without having to call and speak to someone for example.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Jess, Victoria reviewed 8 months ago
Virgin Money

About Virgin Money

Virgin Money is a financial services company that differentiates itself with a high focus on customer service and a strong brand. It aims to offer great value banking and insurance products designed around what customers really want. In Australia, Virgin Money's banking products include savings accounts, credit cards, super and it also has a range of general insurance products including home and contents, car and travel insurance.

See Virgin Money home loans

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2.35% p.a.
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3.44% p.a.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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