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Virgin Money - New Home Loans (Including Refinancing) - Double Bonus Velocity Points

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Virgin Money is offering double Velocity Frequent Flyer Points on settlement for eligible new home loans.

Customers who apply for a Virgin Money Reward Me Home Loan with an LVR of 90% or below will now earn 20,000 Velocity Points for every $100,000 borrowed at settlement, if they apply between 5 March and 31 May 2018 and settle by 31 August 2018.

This means a customer borrowing $500,000 will receive 100,000 Velocity Points after settlement, enough Points for a return economy flight from Sydney to Los Angeles.

In addition, you will earn a further 1,000 Velocity Points every month (per loan account).

Also, receive 30,000 Velocity Points every 3 years you are a continuous Reward Me Home Loan customer, when your loan balance remains above $50,000.

You could receive 304,000 Velocity Points over 6 years with a $500,000 loan:

100,000 Points after settlement
144,000 monthly Points (across 2 loan accounts)
30,000 Points every 3rd year anniversary

Fixed and variable rates are competitive.

Variable rates from: 3.69% (Comparison rate: 3.83% p.a.) for new owner occupied principal and interest loans
with minimum 20% deposit and balances of $750,000 or more.
3 year fixed rate: 3.69% p.a for Principal & Interest up to 90% LVR with total borrowings of $300,000 or more.

Current as 18 April 2019.

Referral Links

Referral: random (305)

Referees will receive 5,000 Virgin Money Points when they open their first Virgin Money Go Account before 31 July 2024 and meet the Welcome Offer Bonus Points Criteria (1 debit card purchase/direct debits/BPAY transaction in the first 30 days).

Referrer will receive 5,000 Virgin Money Points for each referee who meets the Welcome Offer Bonus Points Criteria, for up to 5 referees in a month.

Related Stores

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closed Comments

  • +1

    "Customers who apply for a Virgin Money Reward Me Home Loan with an LVR of 90% or below will now earn 20,000 Velocity Points for every $100,000 borrowed at settlement, if they apply between 5 March and 31 May 2018 and settle by 31 August 2018."

    2018??

  • What about interest only loans?

  • +2

    I would strongly avoid this mob like the plague. They are hell on earth to deal with… No points are worth the torture. I refinanced my loans away from them this year and haven't looked back. Don't be fooled by their bonus offers. In fact I signed up for one and it took many calls to fix their mistakes and even get the points.

    • Could not agree more. Absolute torture. Back and forth asking for the insides of my kidneys. inconsistent interrogations. Did not even know what my visa was… Had to explain it to them.
      Thankfully the pain was buffered by my broker.

      • Thanks for the feedback. The velocity points are tempting though. Was just one off pain in assessing the application and was it completed within 2 weeks? Or is it also a horrible experience holding the mortgage with them also?

        • I've been a customer for a year now and went through a broker and they offered the best combination of loans as we wanted everything with the one lender and had investment property (I/o) and new PPOR on P&I to cover.

          Agree the process of getting approval was quite cumbersome but I was refinancing another property from joint to sole ownership so they wanted stuff signed by a lawyer and cpa certified accountant. We only just made the deadlines for settlement with the paperwork.

          Once all set up we've had no issues, the only things I'd note are:

          • offset accounts are online accounts only. Not a transaction account with a debit card like we were used to. Had to keep another bank account open with ample funds to access cash.

          • online banking portal is average at best.

          Both of the above have meant to have been rectified "soon" but still no sign.

  • They even charge 5% interest instead of the 3.7 I'm paying now.

  • -1

    Amazing that the population is dumb enough that using funny money for real estate loans works.

  • +2

    Avoid virgin! I’m with them and 5 months in, my rate was revised from 3.64 to 3.84%, which new customers get 3.69 (for a few months and then get jacked up 20 points).

    Looking to refinance soon.

  • I am with Virgin and can attest their incompetence. Unfortunately I need with them for 3 years due to being organized by broker and the new CCR will make it hard for me to refinance without having to sacrifice credit card limits.

    It took 8 months (April 2017 to Jan 2018) to get the loan finalized and they asked every single documents under the sun and because some of them expired while in process, I had had to reprovide.

    Not the cheapest too but the only one available on I/O at the time. I will try to churn out as soon as I can.

    Yes they jacked up 25 basis point a few mths ago when things are cheaper.

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