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Virgin Money Reward Me Variable Rate Home Loan

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

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $75,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $749,999

  • 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%

    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

Rate
2.84% p.a.
Comparison Rate*
3.01% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.74% p.a.
Comparison Rate*
2.91% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.74% p.a.
Comparison Rate*
2.91% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.37% p.a.
Comparison Rate*
3.53% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.32% p.a.
Comparison Rate*
3.48% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.27% p.a.
Comparison Rate*
3.43% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
4.62% p.a.
Comparison Rate*
4.77% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
4.62% p.a.
Comparison Rate*
4.77% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
4.62% p.a.
Comparison Rate*
4.77% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.62% p.a.
Comparison Rate*
3.78% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.57% p.a.
Comparison Rate*
3.73% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.52% p.a.
Comparison Rate*
3.68% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.34% p.a.
Comparison Rate*
3.50% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.24% p.a.
Comparison Rate*
3.40% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.19% p.a.
Comparison Rate*
3.35% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.44% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.44% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.34% p.a.
Comparison Rate*
3.50% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.49% p.a.
Comparison Rate*
3.65% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.44% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.44% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.79% p.a.
Comparison Rate*
3.95% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.74% p.a.
Comparison Rate*
3.90% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.69% p.a.
Comparison Rate*
3.85% p.a.
Service fee
$10.00 monthly
Upfront fee
$450

Mozo editorial review Virgin Money Reward Me Variable Rate Home Loan

Last updated: 25 May 2020.

binocular icon
What's hot
  • Interest rates from 2.84% variable rate (3.01% comparison rate*)
  • 100% offset account
  • Free extra repayments and redraw facility
What's not
  • $10 monthly service fee
  • $300 application fee
Mozo snapshot

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.

key icon
Key features

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.

snapshot
Who is it good 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.

snapshot
Any catches

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.

Details

Rates and fees information correct as at 12 August 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

  • 2.84% p.a.

  • n/a

  • n/a

  • n/a

  • 3.01% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 2.74% p.a.

  • n/a

  • n/a

  • n/a

  • 2.91% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 2.74% p.a.

  • n/a

  • n/a

  • n/a

  • 2.91% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 12 August 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

  • 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

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

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $100.00

  • yes

  • yes

  • 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 Variable Rate Home Loan

  • Overall 4/10
    Not competitive enough.

    Rates aren't competitive enough, I need to change providers soon.

    Read full review

    Rates aren't competitive enough, I need to change providers soon.

    Price
    4/10
    Features
    4/10
    Customer service
    4/10
    Convenience
    4/10
    Trust
    4/10
    Less
    Hoi, Queensland reviewed 2 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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HSBC

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2.29% p.a.
fixed 3 years

2.95% p.a.

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ING

ING

Mortgage Simplifier

2.59% p.a. variable

2.62% p.a.

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loans.com.au

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Smart Booster Discount Variable Home Loan

1.99% p.a.variable for 12 months and then 2.57% p.a. variable

2.55% p.a.

Go to site

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UBank

UBank

UHomeLoan (Fixed)

2.14% p.a.
fixed 3 years

2.41% p.a.

Go to site

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

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Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Go to site

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Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Go to site

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Tic:Toc

Tic:Toc

Variable Home Loan

2.39% p.a. variable

2.40% p.a.

Go to site

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HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Go to site

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a. variable

2.62% p.a.

Go to site

Promoted

loans.com.au

loans.com.au

Smart Booster Discount Variable Home Loan

1.99% p.a.variable for 12 months and then 2.57% p.a. variable

2.55% p.a.

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a. variable

2.86% p.a.

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Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Go to site

Promoted

Suncorp

Suncorp

Back to Basics

2.78% p.a. variable

2.79% p.a.

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Go to site

Promoted

HSBC

HSBC

Home Value Loan

2.65% p.a.

2.66% p.a.

Go to site

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

Go to site

Promoted

Qudos Bank

Qudos Bank

Low Cost Home Loan (Package)

2.89% p.a.

2.89% p.a.

Go to site

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

Go to site

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Go to site

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Go to site

Promoted

Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Go to site

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

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Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

Go to site

Promoted

Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.82% p.a.

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Go to site

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

$0.00

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

$0.00

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

$10.00 monthly

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People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.69% p.a.

2.69% p.a.

$0.00

Go to site

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

$0.00

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Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.39% p.a.

2.40% p.a.

$0.00

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Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a.

2.42% p.a.

$0.00

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Promoted

Yard

Yard

Variable Home Loan Winter Special

2.39% p.a.

2.42% 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.

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