Want to crush your interest rates, slash and burn your management fees for ever? Go on; be merciless with your mortgage.
Why a Virgin Home Loan?
Crush interest rates
For the best all round deal go direct with Virgin Home Loans - value where it counts, no secret fees, fast turnaround, and one dedicated Home Loan Specialist to help you from approval to settlement.
Slash and burn fees
No application fee. No ongoing management fee. No secrets. What you see really is what you get, including loads of flexible features at minimal or no cost. Fees that whimper
Break the mould
Additional services such as repayment holidays, which allow customers to suspend their variable rate repayments for up to 12 months during the life of their loan, with a maximum of three months in any 12 month period, are also available.
Banish the run-around
And in typical Virgin fashion, everything is explained clearly and with clarity. With Virgin Home Loans, simplicity is the key, and it’s the key that’s opening up the doors of new homes all over Australia - free five-minute pre-approval
About Virgin Home Loans
Virgin Money launched in Australia in May 2003 to do one thing – shake up the financial services industry.
Why?
People were being ripped off and treated to shabby service, and it made sense to do something about it.
What we're about
We're straightforward, challenging and passionate, and give our customers value for money. This means that we take a stand against jargon, hidden charges and broken promises, because we believe in your rights as a consumer.
What we do
No funny stuff... just money stuff.
Virgin Home Loans www.virginhomeloans.com.au
The latest cab off the rank, our home loans launched in March 2006. We give you great value, top shelf service, no application fee and oodles of built-in flexibility, so that when life changes your home loan can change with you (minus the sting).
Virgin Super www.virginsuperannuation.com.au
When the Federal Government announced in June 2004 that Super Choice would be coming, we jumped at the chance to design and deliver a Super product that would be easy to understand, and without all the complex fees that were pretty standard across the industry.
Virgin Credit Card www.virgincreditcard.com.au
In May 2003 we launched the Virgin Credit Card in Australia. No annual fee… ever, super low rates, Mates Rates instant rewards and a choice of five card colours - all supported by our award winning Customer Care Team available 24/7.
Our record breaking launch generated 50,000 applications in the first week, and to date we have 600,000 customers with a shiny Virgin Credit Card in their wallet.
The Virgin family
Virgin Money is part of the global family of Virgin companies. We're united by our passion for giving our customers a better deal, serviced by real people. The boss is that guy with the beard, Richard Branson.
Low rates Just like you'd expect.
We also discount our rates for larger variable rate loans, and offer a Low Doc option where the rate drops 0.22% every year for three years if all your payments are on time in the first year of your home loan. Compare our rates
No upfront application fee
All you pay is a single documentation fee at settlement (and your first property valuation is free if you settle within three months). Compare our fees
No ongoing management fees
No maintenance fees, no management fees, no offset management fees. Compare our fees
Set it up how you like it (and save)
When your home loan's established you can split your loan into as many as five sub-accounts and take advantage of fixed and variable rates, as well as Principal & Interest and Interest-only repayment options.
And with the variable rate portion of your home loan, you get a free 100% offset sub-account to play with. Find out more about flexible banking
Built-in flexibility
When life changes, a Virgin Home Loan contract can change with you (minus the sting you might get from other lenders) - take a repayment holiday, redraw extra cash you've paid off if you need it, up and move house and take your loan with you, increase your loan amount, and a whole lot more. Find out more about flexible banking
Internet banking, ATMs, EFTPOS and cheques
You get all the mod cons with a Virgin Home Loan. Find out more about flexible banking
Low Doc option
For self-employed people who don't have the paperwork like pay slips and group certificates to prove their income. Find out more about the Low Doc Home Loan
Mates Rates™ instant rewards
Not-too-shabby rewards for all Virgin Home Loans customers. You get instant discounts and special offers on everyday gear when you shop with any of our partners. Find out more about Mates Rates™
Virgin service
We're Virgin, and above all else we're here to look out for you. As you’d expect, we've cut right back on the home loan jargon and have made everything as straightforward as we could. There are no machines when you call, just people. And when you apply, you're assigned one person to manage the process all the way through to settlement.
* All efforts will be made to maintain accurate information. However, information is subject to change and therefore it's in your interest to review the terms and conditions on the issuer's web site when applying.
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