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Virgin Money Reward Me Variable Rate Home Loan

Advertiser disclosure

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

  • 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

Rate
2.49% p.a.
Comparison Rate
2.66% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.39% p.a.
Comparison Rate
2.56% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.39% p.a.
Comparison Rate
2.56% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.59% p.a.
Comparison Rate
2.76% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.49% p.a.
Comparison Rate
2.66% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.49% p.a.
Comparison Rate
2.66% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.14% p.a.
Comparison Rate
3.30% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.09% p.a.
Comparison Rate
3.25% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.09% p.a.
Comparison Rate
3.25% 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
3.57% 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
3.47% p.a.
Comparison Rate
3.63% 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
2.69% p.a.
Comparison Rate
2.86% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.69% p.a.
Comparison Rate
2.86% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.29% p.a.
Comparison Rate
3.45% 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
3.19% p.a.
Comparison Rate
3.35% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
3.04% p.a.
Comparison Rate
3.20% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.99% p.a.
Comparison Rate
3.16% p.a.
Service fee
$10.00 monthly
Upfront fee
$450
Rate
2.99% p.a.
Comparison Rate
3.16% 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

Mozo editorial review Virgin Money Reward Me Variable Rate Home Loan

Last updated: 4 June 2021.

binocular icon
What's hot
  • Interest rates from 2.39% variable rate (2.56% comparison rate*)
  • 100% offset account
  • $3,000 cashback offer (conditions apply)
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 2.39% (2.56% comparison rate)* for owners and 2.64% (2.81% 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 2.39% (2.56% comparison rate)* for owner occupiers if you're borrowing more than $500,000 with an <60% LVR.

The rate for an owner-occupier wanting to take out a loan with an <80% LVR is slightly higher at 2.49% (2.66% comparison rate)* for loans above $500,000 and 2.59% (2.76% comparison rate*) for loans from $75,000 to $499,999. 

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.

Plus if you refinance a loan of at least $300,000 by 29 August 2021 and settle by 26 November 2021, you could snag yourself a neat $3,000 cashback. To be eligible for this you will have to have a loan to value ratio of up to 80%.

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.

question icon
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 25 June 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.66% 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

  • 60.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.39% p.a.

  • n/a

  • n/a

  • n/a

  • 2.56% 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

  • 60.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.39% p.a.

  • n/a

  • n/a

  • n/a

  • 2.56% 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

  • 60.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.59% p.a.

  • n/a

  • n/a

  • n/a

  • 2.76% 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

  • 60.00%

  • 80.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.66% 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

  • 60.00%

  • 80.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.66% 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

  • 60.00%

  • 80.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.14% p.a.

  • n/a

  • n/a

  • n/a

  • 3.30% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.09% p.a.

  • n/a

  • n/a

  • n/a

  • 3.25% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.09% p.a.

  • n/a

  • n/a

  • n/a

  • 3.25% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • $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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • $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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.47% p.a.

  • n/a

  • n/a

  • n/a

  • 3.63% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • $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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.69% 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

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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.69% 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

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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.29% p.a.

  • n/a

  • n/a

  • n/a

  • 3.45% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • $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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • 80.00%

  • 90.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 3.04% p.a.

  • n/a

  • n/a

  • n/a

  • 3.20% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.99% p.a.

  • n/a

  • n/a

  • n/a

  • 3.16% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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
  • 2.99% p.a.

  • n/a

  • n/a

  • n/a

  • 3.16% 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

  • $3,000 cashback for new borrowings of at least $300,000, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • 80.00%

  • 90.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • 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, applications by 29 August 2021, settled by 26 November 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.

Details

Rates and fees information correct as at 25 June 2021. 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

  • 80.00%

  • 90.00%

Features
  • 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, applications by 29 August 2021, settled by 26 November 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.

Customer Reviews

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

Overall
6.2/10
Price
6.8/10
Features
6.4/10
Customer service
6.3/10
Convenience
5.4/10
Trust
6.0/10

Latest reviews of Virgin Money Reward Me Variable Rate Home Loan

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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

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.