If you’re after competitive interest rates and extra flexibility, that moves to your own beat, then take a look at our Reward Me Variable Rate Home Loan.

Rate discount based on loan amount & loan to value ratio

Interest rate discounts on loan and & loan to value ratio

Split borrowings available

Exclusive offers on other Virgin Money product

Unlimited additional repayments Redraw available

Available for new Owner Occupied principal and interest loans with minimum 40% deposit and balances of $500,000 or more. Current as 07 December 2021.

Variable rates from

2.09%p.a.Comparison rate#

2.26%p.a.

Current Interest Rates for new loan applications submitted on or after 07 December 2021

Reward Me Variable Rate Home Loan

With more local support and a handy online pricing request tool, we make it easy to do business with us. And right now, your customers will get some of our lowest variable rates ever.

HOME LOANS WITH BENEFITS

At last, a home loan that rewards meWhen was the last time your bank thanked you? Our Reward Me Home Loan is all about giving you something back.

REWARD ME VARIABLE RATE HOME LOAN

If you’re after competitive interest rates and extra

flexibility, so that if things change you can too,

then take a look at our Reward Me Variable Rate

Home Loan.

Rate discounts on loan amount & loan to value ratio

Split borrowings available

Interest Rates

TOTAL BORROWINGS $500,000 AND

LESS THAN $750,000

TOTAL BORROWINGS $750,000 AND ABOVE

Loan to Value Ratio (LVR including any Lenders Mortgage Insurance applicable)

Interest rate Comparison Rate # Interest rate Comparison

Rate # Interest rate Comparison Rate #

Less than or equal to 0% % 76 % 5 % 67 % 5 % 67 %

80.01% to 90% % . 0 % . % .25 % % .25 %

Over 90% % % % % % %

INTEREST ONLY

Less than or equal to 0% .5 % .56 % . % .51% . % .46 %

TOTAL BORROWINGS LESS THAN $500,000

TOTAL BORROWINGS $500,000 AND

LESS THAN $750,000

TOTAL BORROWINGS $750,000 AND ABOVE

Loan to Value Ratio (LVR including any Lenders Mortgage Insurance applicable)

Interest rate Comparison Rate # Interest rate Comparison

Rate # Interest rate Comparison Rate #

INTEREST ONLY

. 9% . % . 4% .1 % . % .1 %

PRINCIPAL AND INTEREST INTEREST ONLY

Virgin Money Variable Rate 4. % 4. % – –

Virgin Money Variable Interest Only Rate – – % %

Virgin Money Variable Investment Rate % . % – –

Virgin Money Variable Investment Interest Only Rate – – . % . %

Variable rates from:

. p%

Comparison rate:#

. %p.a.

Available for new owner occupied principal and interest loans with minimum 0% deposit and balances of $ 0,000 or more. Current as 13 Nov .

80 % . 9% .5 % . 4% .4 % . % .48 %

% 1% % 1% % 1%

Less than or equal to 0% % 2.91% % 2.81% % 2.81%

80.01% to 90% . % .45 % . % .35 % 3. % .35 %

% 01% % 2.91% % 2.91%

Unlimited additional repayme

Less than or equal to 0% % . % % .0 % . % .0 %

. % . 1% .5 % .56 % . % .51%

INVESTMENT RATES

STANDARD VARIABLE RATE

VARIABLE RATE HOME LOAN - OWNER OCCUPIED PRINCIPAL AND INTEREST INTEREST ONLY

Current Interest Rates for new loan applications submitted on or after 07 December 2021. Interest Rate Comparison Rate^ Interest Rate Comparison Rate^

Borrowings $75,000 to $499,999

LVR less than or equal to 60% 2.09% 2.26% 2.49% 2.42%

LVR 60.01% to 80% 2.14% 2.31% 2.54% 2.47%

LVR 80.01% to 90% 2.54% 2.71% N/A N/A

LVR over 90% 4.62% 4.77% N/A N/A

Borrowings $500,000 to $749,999

LVR less than or equal to 60% 2.09% 2.26% 2.44% 2.40%

LVR 60.01% to 80% 2.09% 2.26% 2.49% 2.42%

LVR 80.01% to 90% 2.49% 2.66% N/A N/A

LVR over 90% 4.62% 4.77% N/A N/A

Borrowings $750,000 and above

LVR less than or equal to 60% 2.09% 2.26% 2.44% 2.40%

LVR 60.01% to 80% 2.09% 2.26% 2.49% 2.42%

LVR 80.01% to 90% 2.49% 2.66% N/A N/A

LVR over 90% 4.62% 4.77% N/A N/A

STANDARD VARIABLE RATE

Virgin Money Variable Rate 4.12% 4.28% – –

Virgin Money Variable Interest Only Rate – – 4.32% 4.36%

At last, a home loan that rewards meWhen was the last time your bank thanked you? Our Reward Me Home Loan is all about giving you something back.

REWARD ME VARIABLE RATE HOME LOAN

If you’re after competitive interest rates and extra

flexibility, so that if things change you can too,

then take a look at our Reward Me Variable Rate

Home Loan.

Rate discounts on loan amount & loan to value ratio

Split borrowings available

Interest Rates

TOTAL BORROWINGS $500,000 AND

LESS THAN $750,000

TOTAL BORROWINGS $750,000 AND ABOVE

Loan to Value Ratio (LVR including any Lenders Mortgage Insurance applicable)

Interest rate Comparison Rate # Interest rate Comparison

Rate # Interest rate Comparison Rate #

Less than or equal to 0% % 76 % 5 % 67 % 5 % 67 %

80.01% to 90% % . 0 % . % .25 % % .25 %

Over 90% % % % % % %

INTEREST ONLY

Less than or equal to 0% .5 % .56 % . % .51% . % .46 %

TOTAL BORROWINGS LESS THAN $500,000

TOTAL BORROWINGS $500,000 AND

LESS THAN $750,000

TOTAL BORROWINGS $750,000 AND ABOVE

Loan to Value Ratio (LVR including any Lenders Mortgage Insurance applicable)

Interest rate Comparison Rate # Interest rate Comparison

Rate # Interest rate Comparison Rate #

INTEREST ONLY

. 9% . % . 4% .1 % . % .1 %

PRINCIPAL AND INTEREST INTEREST ONLY

Virgin Money Variable Rate 4. % 4. % – –

Virgin Money Variable Interest Only Rate – – % %

Virgin Money Variable Investment Rate % . % – –

Virgin Money Variable Investment Interest Only Rate – – . % . %

Variable rates from:

. p%

Comparison rate:#

. %p.a.

Available for new owner occupied principal and interest loans with minimum 0% deposit and balances of $ 0,000 or more. Current as 13 Nov .

80 % . 9% .5 % . 4% .4 % . % .48 %

% 1% % 1% % 1%

Less than or equal to 0% % 2.91% % 2.81% % 2.81%

80.01% to 90% . % .45 % . % .35 % 3. % .35 %

% 01% % 2.91% % 2.91%

Unlimited additional repayme

Less than or equal to 0% % . % % .0 % . % .0 %

. % . 1% .5 % .56 % . % .51%

INVESTMENT RATES

STANDARD VARIABLE RATE

VARIABLE RATE HOME LOAN - INVESTMENT PRINCIPAL & INTEREST INTEREST ONLY

Current Interest Rates for new loan applications submitted on or after 07 December 2021. Interest Rate Comparison Rate^ Interest Rate Comparison Rate^

Borrowings $75,000 to $499,999

LVR less than or equal to 60% 2.49% 2.66% 2.49% 2.66%

LVR 60.01% to 80% 2.54% 2.71% 2.54% 2.71%

LVR 80.01% to 90% 3.09% 3.25% 3.09% 3.25%

Borrowings $500,000 to $749,999

LVR less than or equal to 60% 2.44% 2.61% 2.44% 2.61%

LVR 60.01% to 80% 2.49% 2.66% 2.49% 2.66%

LVR 80.01% to 90% 2.99% 3.16% 2.99% 3.16%

Borrowings $750,000 and above

LVR less than or equal to 60% 2.44% 2.61% 2.44% 2.61%

LVR 60.01% to 80% 2.49% 2.66% 2.49% 2.66%

LVR 80.01% to 90% 2.99% 3.16% 2.99% 3.16%

STANDARD VARIABLE RATE

Virgin Money Variable Investment Rate 4.34% 4.49% – –

Virgin Money Variable Investment Interest Only Rate – – 4.54% 4.58%

If you’re after competitive interest rates and extra flexibility, that moves to your own beat, then take a look at our Reward Me Variable Rate Home Loan.

Rate discount based on loan amount & loan to value ratio

Interest rate discounts on loan and & loan to value ratio

Split borrowings available

Exclusive offers on other Virgin Money product

Unlimited additional repayments Redraw available

Available for new investment principal and interest loans with minimum 40% deposit and balances of $500,000 or more. Current as 07 December 2021.

Variable rates from

2.44%p.a.Comparison rate#

2.61%p.a.

Reward Me Variable Rate Home Loan

With more local support and a handy online pricing request tool, we make it easy to do business with us. And right now, your customers will get some of our lowest variable rates ever.

HOME LOANS WITH BENEFITS

Current Interest Rates for new loan applications submitted on or after 07 December 2021