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Virgin Money

Every product Virgin Money publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with BOQ Specialist and ME Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 244616, held by Bank of Queensland Limited; credit licence since 29 June 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
Passed on in fullVirgin Money lifted its variable home loan rates by 0.25 percentage points from 7 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

11 products in 3 categories

  1. Credit cards5
  2. Savings & transaction accounts4
  3. Home loans2

Virgin Money's rates today

Virgin Money's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Virgin Money sits among every institution's best

Virgin Money Australia 6.34%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateVirgin MoneyBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%Virgin Money Lite Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.84%Virgin Money Lite Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.30%Virgin Money Boost Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers12.99%Virgin Money Low Rate Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Virgin Money home loan repayments

Repayments at Virgin Money's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableVirgin Money Lite Home Loan
    6.34%6.36% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixedVirgin Money Lite Home Loan
    6.89%6.41% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  3. 2-year fixedVirgin Money Lite Home Loan
    6.79%6.45% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  4. 3-year fixedVirgin Money Lite Home Loan
    6.84%6.50% comparison
    $3,928a month

    $813,918 in interest, $1,413,918 repaid in all

  5. 5-year fixedVirgin Money Lite Home Loan
    6.99%6.64% comparison
    $3,988a month

    $835,603 in interest, $1,435,603 repaid in all

  6. Investor variableVirgin Money Lite Home Loan
    6.49%6.51% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Virgin Money's own calculator: confirm the rate with Virgin Money before you apply.

Virgin Money home loan rates

Compare across banks

2 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.36%, on its Virgin Money Lite Home Loan: 39th lowest of 104 lenders, level with 10 others.

Virgin Money savings and transaction account rates

Compare across banks

4 products

Its highest savings rate is up to 5.30% (0.05% base plus a 5.25% bonus when its conditions are met), on its Virgin Money Boost Saver: 21st highest of 84 institutions, level with 2 others.

Virgin Money credit card rates

Compare across banks

5 products

Its lowest credit card purchase rate is 12.99%, on its Virgin Money Low Rate Credit Card: 29th lowest of 51 card issuers, level with 2 others.

Rate changes since 18 Sept 2026How every lender responded

Has Virgin Money passed on the RBA's November 2026 rate rise?

Virgin Money lifted its variable home loan rates by 0.25 percentage points from 7 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Sat 7 Nov

  2. Sun 4 Oct

  3. Fri 2 Oct

Published by Virgin Money under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.