Virgin Money home loan reviews

Virgin Money
Virgin Money's overall rating for home loans

(as rated by the Mozo community)

7.1 / 10

based on 7 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Virgin Money

Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

interest rate

3.69% p.a. variable

comparison rate*

3.83% p.a.

upfront fees

$150

 Contact provider or click here for more Virgin Money home loans

Recent Virgin Money home loan reviews

Virgin Money

Virgin Money home loan review

Overall rating   9 / 10

Pretty stoked

Can't go wrong with Richard looking after my investments.

Full review

Can't go wrong with Richard looking after my investments.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   10 / 10

Less

Karen, , reviewed over 4 years ago

Virgin Money

Virgin Money home loan review

Overall rating   9 / 10

Competitive rates; easy to use online access

They offer very competitive interest rates and fees; easy to use online systems; better than other banks with information and over the phone assistance. Have never had anything that I can complain about with Virgin Money in over seven years of...

Full review

They offer very competitive interest rates and fees; easy to use online systems; better than other banks with information and over the phone assistance. Have never had anything that I can complain about with Virgin Money in over seven years of being with them.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Debbie, Queensland, reviewed almost 6 years ago

Virgin Money

Virgin Money home loan review

Overall rating   7 / 10

Great rates and compassionate service

We have had four providers over the life of our mortgage and found Virgin to be the best. We have access to the redraw facility, and at one stage, needed a mortgage "holiday', which was well received and met with compassion and helpfulness. I...

Full review

We have had four providers over the life of our mortgage and found Virgin to be the best. We have access to the redraw facility, and at one stage, needed a mortgage "holiday', which was well received and met with compassion and helpfulness. I would definitely recommend Virgin Money especially as they are quick to pass on any interest rate cuts.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   4 / 10

Less

Caroline, Western Australia, reviewed about 6 years ago

Virgin Money

Virgin Money home loan review

Overall rating   10 / 10

I have been holding home loan with Virgin Money for years now and have never had any problems whatsoever. After 3 Years of loyalty we've got discounted interest rate and there are no fees at all.

Full review

I have been holding home loan with Virgin Money for years now and have never had any problems whatsoever. After 3 Years of loyalty we've got discounted interest rate and there are no fees at all.

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Vojkan, Victoria, reviewed about 7 years ago

Virgin Money

Virgin Money home loan review

Overall rating   6 / 10

Good and simple, no bells and whistles. They are no longer doing home loans I believe, but ongoing customer support is quite good I must say.

Full review

Good and simple, no bells and whistles. They are no longer doing home loans I believe, but ongoing customer support is quite good I must say.

    Price   7 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   5 / 10

    Trust   6 / 10

Less

Janine, Western Australia, reviewed almost 8 years ago

Virgin Money

Virgin Money home loan review

Overall rating   6 / 10

No instant updating of transaction balances

Full review

No instant updating of transaction balances

    Price   9 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   8 / 10

Less

Julie, New South Wales, reviewed about 8 years ago

Virgin Money

Virgin Money home loan review

Overall rating   3 / 10

Customer service is very slow and now that they are no longer accepting new loans they don't seem to care about service at all - in fact the impression that is given is that the customer is tollerated but they would much rather we take our...

Full review

Customer service is very slow and now that they are no longer accepting new loans they don't seem to care about service at all - in fact the impression that is given is that the customer is tollerated but they would much rather we take our business elsewhere so that they could shut down the home loan devision. They pass on every rate rise but hardly any of the drops.

    Price   7 / 10

    Features   5 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

Less

Julia, New South Wales, reviewed over 8 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    		 Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    		 Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    		 Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    		 Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    		 Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 522 home loans in the Mozo comparison engine.

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*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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