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 60%
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 60%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 60%
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 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 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 of at least $750,000 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 between $500,000 and $749,999 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 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 60% | $75,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 60% | $500,000 | $749,999 |
| | Owner Occupier | Principal & Interest | < 60% | $750,000 | |
| | Owner Occupier | Principal & Interest | 60%-80% | $75,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 60%-80% | $500,000 | $749,999 |
| | Owner Occupier | Principal & Interest | 60%-80% | $750,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $75,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $500,000 | $749,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $750,000 | |
| | Owner Occupier | Principal & Interest | 90%-95% | $75,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $500,000 | $749,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $750,000 | |
| | Owner Occupier | Interest Only | < 80% | $75,000 | $499,999 |
| | Owner Occupier | Interest Only | < 80% | $500,000 | $749,999 |
| | Owner Occupier | Interest Only | < 80% | $750,000 | |
| | Investor | Principal & Interest | < 80% | $75,000 | $499,999 |
| | Investor | Principal & Interest | < 80% | $500,000 | $749,999 |
| | Investor | Principal & Interest | < 80% | $750,000 | |
| | Investor | Principal & Interest | 80%-90% | $75,000 | $499,999 |
| | Investor | Principal & Interest | 80%-90% | $500,000 | $749,999 |
| | Investor | Principal & Interest | 80%-90% | $750,000 | |
| | Investor | Interest Only | < 80% | $75,000 | $499,999 |
| | Investor | Interest Only | < 80% | $500,000 | $749,999 |
| | Investor | Interest Only | < 80% | $750,000 | |
| | Investor | Interest Only | 80%-90% | $75,000 | $499,999 |
| | Investor | Interest Only | 80%-90% | $500,000 | $749,999 |
| | Investor | Interest Only | 80%-90% | $750,000 |
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $75,000 $499,999
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $500,000 $749,999
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $750,000
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $75,000 $499,999
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $500,000 $749,999
Owner Occupier (Principal & Interest)
LVR 60%-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%
Loan: $750,000
Investor (Interest Only)
LVR 80%-90%
Loan: $75,000 $499,999
Investor (Interest Only)
LVR 80%-90%
Loan: $500,000 $749,999
Investor (Interest Only)
LVR 80%-90%
Loan: $750,000
Looking for a full feature home loan with a competitive rate to boot? With a 100% offset account, redraw facility and the ability to make extra repayments, Virgin Money’s Reward Me Variable Rate Home Loan might just be the match for you. And with rates starting from just 2.84% (3.01% comparison rate)* for owners and 3.39% (3.53% comparison rate)* for investors, you’ll be certain that you’re paying a competitive rate on your repayments.
The number you’ll be focusing on with any home loan is the interest rate, and in this respect Virgin Money really delivers with it’s Reward Me Variable Rate Home Loan. Variable rates for owner occupiers start at just 3.09% (3.25% comparison rate)* if you're borrowing more than $750,000 with an 80% LVR.
The rate for an owner-occupier wanting to take out a loan of between $75,000 and $499,999 with an LVR below 80% is slightly higher at 2.90% (3.07% comparison rate)*.
Similarly, investor rates start at just 3.19% (3.35% comparison rate)*, and Virgin Money even offers loans to low deposit borrowers with LVR’s of up to 95%.
It’s not all just about the rate though, as the Reward Me Variable Rate Home Loan comes complete with a range of handy features including a 100% offset account in which you’ll be able to stash your extra cash in order to bring down your repayments.
Speaking of which, Virgin Money also offers free extra repayments, and the loan even features a redraw facility if you ever need to draw against the the money you’ve already paid down. Just remember that there’s a $100 minimum redraw amount if you ever do need to use it.
When it comes to other loan costs, homeowners there is a $300 application fee, $150 settlement fee, a $350 discharge fee and an ongoing service fee of $10 each month to budget for.
Virgin Money’s Reward Me Variable Rate Home Loan could be a great option for an owner occupier or investor wanting the lot - a full feature home loan which still offers a competitive interest rate.
While the ongoing service fee of $10 a month may seem small, that figure becomes $3,000 over a 25 year period or $3,600 over a 30 year loan, so it may be worth weighing up beforehand along with the other fees.
2.64% p.a.
n/a
n/a
n/a
2.81% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
none
60.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
2.55% p.a.
n/a
n/a
n/a
2.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
none
60.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
2.55% p.a.
n/a
n/a
n/a
2.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
none
60.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
2.79% p.a.
n/a
n/a
n/a
2.96% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
60.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
2.69% p.a.
n/a
n/a
n/a
2.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
60.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
2.69% p.a.
n/a
n/a
n/a
2.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
60.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.37% p.a.
n/a
n/a
n/a
3.53% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.32% p.a.
n/a
n/a
n/a
3.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.27% p.a.
n/a
n/a
n/a
3.43% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
4.62% p.a.
n/a
n/a
n/a
4.77% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
4.62% p.a.
n/a
n/a
n/a
4.77% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
4.62% p.a.
n/a
n/a
n/a
4.77% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.62% p.a.
n/a
n/a
n/a
3.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.57% p.a.
n/a
n/a
n/a
3.73% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.52% p.a.
n/a
n/a
n/a
3.68% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.34% p.a.
n/a
n/a
n/a
3.50% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.24% p.a.
n/a
n/a
n/a
3.40% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.19% p.a.
n/a
n/a
n/a
3.35% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.44% p.a.
n/a
n/a
n/a
3.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.44% p.a.
n/a
n/a
n/a
3.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.34% p.a.
n/a
n/a
n/a
3.50% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.49% p.a.
n/a
n/a
n/a
3.65% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.44% p.a.
n/a
n/a
n/a
3.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.44% p.a.
n/a
n/a
n/a
3.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.79% p.a.
n/a
n/a
n/a
3.95% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$75,000
$499,999
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.74% p.a.
n/a
n/a
n/a
3.90% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$500,000
$749,999
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
3.69% p.a.
n/a
n/a
n/a
3.85% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$300.00
$0.00
$0.00
$150.00
n/a
$10.00 monthly
$350.00
$750,000
none
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$100.00
yes
yes
none
none
$3,000 cashback for new borrowings of at least $300,000 with applications made by 29 November 2020 and settled by 28 February 2021.
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.
When contacting about home loan they are slow to respond. Online access does not show interest rate and when contacting them by phone it takes weeks to get a response via email. Virgin has not been able to provide a debit card to access our savings. Instead if we need cash we have to transfer to an account we have with another bank and then withdraw from that bank. Credit card transactions are slow. They show as pending for days before appearing properly, only primary card holder can see all credit transactions. With online access other card holders can only see their own transactions and not all.
Read full reviewWhen contacting about home loan they are slow to respond. Online access does not show interest rate and when contacting them by phone it takes weeks to get a response via email. Virgin has not been able to provide a debit card to access our savings. Instead if we need cash we have to transfer to an account we have with another bank and then withdraw from that bank. Credit card transactions are slow. They show as pending for days before appearing properly, only primary card holder can see all credit transactions. With online access other card holders can only see their own transactions and not all.
Rates aren't competitive enough, I need to change providers soon.
Read full reviewRates aren't competitive enough, I need to change providers soon.
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.
Bank of Queensland
Economy
2.59% p.a. variable
2.76% p.a.
AMP Bank
Variable Rate Loan (Professional Package)
2.59% p.a. variable
3.00% p.a.
Bank of Queensland
Economy
2.59% p.a. variable
2.76% p.a.
AMP Bank
Variable Rate Loan (Professional Package)
2.59% p.a. variable
3.00% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Homestar
Star Classic Fixed Home Loan
2.06% p.a.
fixed 3 years
2.38% p.a.
Bank of Queensland
Fixed Rate
2.25% p.a.
fixed 3 years
3.41% p.a.
AMP Bank
Fixed Rate Loan (Professional Package)
2.49% p.a.
fixed 3 years
3.07% p.a.
Homestar
Star Essentials Home Loan
2.29% p.a.
2.32% p.a.
$0.00
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
$10.00 monthly
AMP Bank
Variable Rate Loan (Professional Package)
2.59% p.a.
3.00% p.a.
$349.00 yearly
Yard
Variable Home Loan Special
2.19% p.a.
2.22% p.a.
$0.00
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.
