Virgin Money Australia
Virgin Money Lite Home Loan
Virgin Money Lite Home Loan
Home loansBank updated 22 July 2026
At a glance
- Variable (owner occ. P&I)
- 5.84% · 5.86% comparison
- Variable (investor P&I)
- 5.99%
- Fixed
- 1 yr 6.49% · 2 yrs 6.24% · 3 yrs 6.29% · 4 yrs 6.89% · 5 yrs 6.89%
- Max LVR
- 100%
- Features
- redraw, extra repayments
§ 01 — Rates · 168
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60% | Investment · Interest only | 1 yr fixed | ≤60% LVR · $20,000+ | 6.79% | 6.09% | — |
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70% | Investment · Interest only | 1 yr fixed | 60–70% LVR · $20,000+ | 6.79% | 6.09% | — |
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80% | Investment · Interest only | 1 yr fixed | 70–80% LVR · $20,000+ | 6.79% | 6.09% | — |
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90% | Investment · Interest only | 1 yr fixed | 80–90% LVR · $20,000+ | 6.99% | 6.65% | — |
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95% | Investment · Interest only | 1 yr fixed | 90–95% LVR · $20,000+ | 7.79% | 8.25% | — |
| FixedFIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100% | Investment · Interest only | 1 yr fixed | 95–100% LVR · $20,000+ | 7.79% | 8.25% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60% | Investment · Interest only | 2 yrs fixed | ≤60% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70% | Investment · Interest only | 2 yrs fixed | 60–70% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80% | Investment · Interest only | 2 yrs fixed | 70–80% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90% | Investment · Interest only | 2 yrs fixed | 80–90% LVR · $20,000+ | 6.59% | 6.61% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95% | Investment · Interest only | 2 yrs fixed | 90–95% LVR · $20,000+ | 7.24% | 8.08% | — |
| FixedFIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100% | Investment · Interest only | 2 yrs fixed | 95–100% LVR · $20,000+ | 7.24% | 8.08% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60% | Investment · Interest only | 3 yrs fixed | ≤60% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70% | Investment · Interest only | 3 yrs fixed | 60–70% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80% | Investment · Interest only | 3 yrs fixed | 70–80% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90% | Investment · Interest only | 3 yrs fixed | 80–90% LVR · $20,000+ | 6.54% | 6.59% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95% | Investment · Interest only | 3 yrs fixed | 90–95% LVR · $20,000+ | 7.39% | 8.04% | — |
| FixedFIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100% | Investment · Interest only | 3 yrs fixed | 95–100% LVR · $20,000+ | 7.39% | 8.04% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60% | Investment · Interest only | 4 yrs fixed | ≤60% LVR · $20,000+ | 7.19% | 6.44% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70% | Investment · Interest only | 4 yrs fixed | 60–70% LVR · $20,000+ | 7.19% | 6.44% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80% | Investment · Interest only | 4 yrs fixed | 70–80% LVR · $20,000+ | 7.19% | 6.44% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90% | Investment · Interest only | 4 yrs fixed | 80–90% LVR · $20,000+ | 7.29% | 6.86% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95% | Investment · Interest only | 4 yrs fixed | 90–95% LVR · $20,000+ | 7.74% | 8.10% | — |
| FixedFIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100% | Investment · Interest only | 4 yrs fixed | 95–100% LVR · $20,000+ | 7.74% | 8.10% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60% | Investment · Interest only | 5 yrs fixed | ≤60% LVR · $20,000+ | 7.19% | 6.52% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70% | Investment · Interest only | 5 yrs fixed | 60–70% LVR · $20,000+ | 7.19% | 6.52% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80% | Investment · Interest only | 5 yrs fixed | 70–80% LVR · $20,000+ | 7.19% | 6.52% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90% | Investment · Interest only | 5 yrs fixed | 80–90% LVR · $20,000+ | 7.29% | 6.91% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95% | Investment · Interest only | 5 yrs fixed | 90–95% LVR · $20,000+ | 7.74% | 8.06% | — |
| FixedFIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100% | Investment · Interest only | 5 yrs fixed | 95–100% LVR · $20,000+ | 7.74% | 8.06% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60% | Investment · P&I | 1 yr fixed | ≤60% LVR · $20,000+ | 6.69% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70% | Investment · P&I | 1 yr fixed | 60–70% LVR · $20,000+ | 6.69% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80% | Investment · P&I | 1 yr fixed | 70–80% LVR · $20,000+ | 6.69% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90% | Investment · P&I | 1 yr fixed | 80–90% LVR · $20,000+ | 6.99% | 6.65% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95% | Investment · P&I | 1 yr fixed | 90–95% LVR · $20,000+ | 7.49% | 8.22% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100% | Investment · P&I | 1 yr fixed | 95–100% LVR · $20,000+ | 7.49% | 8.22% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60% | Investment · P&I | 2 yrs fixed | ≤60% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70% | Investment · P&I | 2 yrs fixed | 60–70% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80% | Investment · P&I | 2 yrs fixed | 70–80% LVR · $20,000+ | 6.39% | 6.08% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90% | Investment · P&I | 2 yrs fixed | 80–90% LVR · $20,000+ | 6.59% | 6.61% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95% | Investment · P&I | 2 yrs fixed | 90–95% LVR · $20,000+ | 7.34% | 8.10% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100% | Investment · P&I | 2 yrs fixed | 95–100% LVR · $20,000+ | 7.34% | 8.10% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60% | Investment · P&I | 3 yrs fixed | ≤60% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70% | Investment · P&I | 3 yrs fixed | 60–70% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80% | Investment · P&I | 3 yrs fixed | 70–80% LVR · $20,000+ | 6.44% | 6.13% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90% | Investment · P&I | 3 yrs fixed | 80–90% LVR · $20,000+ | 6.54% | 6.59% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95% | Investment · P&I | 3 yrs fixed | 90–95% LVR · $20,000+ | 7.19% | 7.97% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100% | Investment · P&I | 3 yrs fixed | 95–100% LVR · $20,000+ | 7.19% | 7.97% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60% | Investment · P&I | 4 yrs fixed | ≤60% LVR · $20,000+ | 7.09% | 6.41% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70% | Investment · P&I | 4 yrs fixed | 60–70% LVR · $20,000+ | 7.09% | 6.41% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80% | Investment · P&I | 4 yrs fixed | 70–80% LVR · $20,000+ | 7.09% | 6.41% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90% | Investment · P&I | 4 yrs fixed | 80–90% LVR · $20,000+ | 7.19% | 6.83% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95% | Investment · P&I | 4 yrs fixed | 90–95% LVR · $20,000+ | 7.79% | 8.11% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100% | Investment · P&I | 4 yrs fixed | 95–100% LVR · $20,000+ | 7.79% | 8.11% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60% | Investment · P&I | 5 yrs fixed | ≤60% LVR · $20,000+ | 7.09% | 6.49% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70% | Investment · P&I | 5 yrs fixed | 60–70% LVR · $20,000+ | 7.09% | 6.49% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80% | Investment · P&I | 5 yrs fixed | 70–80% LVR · $20,000+ | 7.09% | 6.49% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90% | Investment · P&I | 5 yrs fixed | 80–90% LVR · $20,000+ | 7.19% | 6.87% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95% | Investment · P&I | 5 yrs fixed | 90–95% LVR · $20,000+ | 7.79% | 8.07% | — |
| FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100% | Investment · P&I | 5 yrs fixed | 95–100% LVR · $20,000+ | 7.79% | 8.07% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60% | Owner occupied · Interest only | 1 yr fixed | ≤60% LVR · $20,000+ | 7.09% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70% | Owner occupied · Interest only | 1 yr fixed | 60–70% LVR · $20,000+ | 7.09% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80% | Owner occupied · Interest only | 1 yr fixed | 70–80% LVR · $20,000+ | 7.09% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90% | Owner occupied · Interest only | 1 yr fixed | 80–90% LVR · $20,000+ | 7.34% | 6.46% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95% | Owner occupied · Interest only | 1 yr fixed | 90–95% LVR · $20,000+ | 7.44% | 7.75% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100% | Owner occupied · Interest only | 1 yr fixed | 95–100% LVR · $20,000+ | 7.44% | 7.75% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60% | Owner occupied · Interest only | 2 yrs fixed | ≤60% LVR · $20,000+ | 6.79% | 6.04% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70% | Owner occupied · Interest only | 2 yrs fixed | 60–70% LVR · $20,000+ | 6.79% | 6.04% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80% | Owner occupied · Interest only | 2 yrs fixed | 70–80% LVR · $20,000+ | 6.79% | 6.04% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90% | Owner occupied · Interest only | 2 yrs fixed | 80–90% LVR · $20,000+ | 6.79% | 6.44% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95% | Owner occupied · Interest only | 2 yrs fixed | 90–95% LVR · $20,000+ | 6.89% | 7.60% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100% | Owner occupied · Interest only | 2 yrs fixed | 95–100% LVR · $20,000+ | 6.89% | 7.60% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60% | Owner occupied · Interest only | 3 yrs fixed | ≤60% LVR · $20,000+ | 6.59% | 6.06% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70% | Owner occupied · Interest only | 3 yrs fixed | 60–70% LVR · $20,000+ | 6.59% | 6.06% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80% | Owner occupied · Interest only | 3 yrs fixed | 70–80% LVR · $20,000+ | 6.59% | 6.06% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90% | Owner occupied · Interest only | 3 yrs fixed | 80–90% LVR · $20,000+ | 6.49% | 6.40% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95% | Owner occupied · Interest only | 3 yrs fixed | 90–95% LVR · $20,000+ | 6.59% | 7.44% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100% | Owner occupied · Interest only | 3 yrs fixed | 95–100% LVR · $20,000+ | 6.59% | 7.44% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60% | Owner occupied · Interest only | 4 yrs fixed | ≤60% LVR · $20,000+ | 6.99% | 6.26% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70% | Owner occupied · Interest only | 4 yrs fixed | 60–70% LVR · $20,000+ | 6.99% | 6.26% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80% | Owner occupied · Interest only | 4 yrs fixed | 70–80% LVR · $20,000+ | 6.99% | 6.26% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90% | Owner occupied · Interest only | 4 yrs fixed | 80–90% LVR · $20,000+ | 6.79% | 6.52% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95% | Owner occupied · Interest only | 4 yrs fixed | 90–95% LVR · $20,000+ | 6.89% | 7.46% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100% | Owner occupied · Interest only | 4 yrs fixed | 95–100% LVR · $20,000+ | 6.89% | 7.46% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60% | Owner occupied · Interest only | 5 yrs fixed | ≤60% LVR · $20,000+ | 7.19% | 6.43% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70% | Owner occupied · Interest only | 5 yrs fixed | 60–70% LVR · $20,000+ | 7.19% | 6.43% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80% | Owner occupied · Interest only | 5 yrs fixed | 70–80% LVR · $20,000+ | 7.19% | 6.43% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90% | Owner occupied · Interest only | 5 yrs fixed | 80–90% LVR · $20,000+ | 6.99% | 6.63% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95% | Owner occupied · Interest only | 5 yrs fixed | 90–95% LVR · $20,000+ | 7.09% | 7.48% | — |
| FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100% | Owner occupied · Interest only | 5 yrs fixed | 95–100% LVR · $20,000+ | 7.09% | 7.48% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60% | Owner occupied · P&I | 1 yr fixed | ≤60% LVR · $20,000+ | 6.49% | 5.92% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70% | Owner occupied · P&I | 1 yr fixed | 60–70% LVR · $20,000+ | 6.49% | 5.92% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80% | Owner occupied · P&I | 1 yr fixed | 70–80% LVR · $20,000+ | 6.49% | 5.92% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90% | Owner occupied · P&I | 1 yr fixed | 80–90% LVR · $20,000+ | 6.84% | 6.41% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95% | Owner occupied · P&I | 1 yr fixed | 90–95% LVR · $20,000+ | 7.79% | 7.79% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 95% to 100% | Owner occupied · P&I | 1 yr fixed | 95–100% LVR · $20,000+ | 7.79% | 7.79% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60% | Owner occupied · P&I | 2 yrs fixed | ≤60% LVR · $20,000+ | 6.24% | 5.93% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 60% to 70% | Owner occupied · P&I | 2 yrs fixed | 60–70% LVR · $20,000+ | 6.24% | 5.93% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 70% to 80% | Owner occupied · P&I | 2 yrs fixed | 70–80% LVR · $20,000+ | 6.24% | 5.93% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90% | Owner occupied · P&I | 2 yrs fixed | 80–90% LVR · $20,000+ | 6.59% | 6.41% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 90% to 95% | Owner occupied · P&I | 2 yrs fixed | 90–95% LVR · $20,000+ | 7.19% | 7.66% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100% | Owner occupied · P&I | 2 yrs fixed | 95–100% LVR · $20,000+ | 7.19% | 7.66% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60% | Owner occupied · P&I | 3 yrs fixed | ≤60% LVR · $20,000+ | 6.29% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70% | Owner occupied · P&I | 3 yrs fixed | 60–70% LVR · $20,000+ | 6.29% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 70% to 80% | Owner occupied · P&I | 3 yrs fixed | 70–80% LVR · $20,000+ | 6.29% | 5.98% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90% | Owner occupied · P&I | 3 yrs fixed | 80–90% LVR · $20,000+ | 6.54% | 6.41% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95% | Owner occupied · P&I | 3 yrs fixed | 90–95% LVR · $20,000+ | 7.19% | 7.61% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100% | Owner occupied · P&I | 3 yrs fixed | 95–100% LVR · $20,000+ | 7.19% | 7.61% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60% | Owner occupied · P&I | 4 yrs fixed | ≤60% LVR · $20,000+ | 6.89% | 6.24% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70% | Owner occupied · P&I | 4 yrs fixed | 60–70% LVR · $20,000+ | 6.89% | 6.24% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80% | Owner occupied · P&I | 4 yrs fixed | 70–80% LVR · $20,000+ | 6.89% | 6.24% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90% | Owner occupied · P&I | 4 yrs fixed | 80–90% LVR · $20,000+ | 7.14% | 6.65% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95% | Owner occupied · P&I | 4 yrs fixed | 90–95% LVR · $20,000+ | 7.64% | 7.74% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100% | Owner occupied · P&I | 4 yrs fixed | 95–100% LVR · $20,000+ | 7.64% | 7.74% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60% | Owner occupied · P&I | 5 yrs fixed | ≤60% LVR · $20,000+ | 6.89% | 6.32% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70% | Owner occupied · P&I | 5 yrs fixed | 60–70% LVR · $20,000+ | 6.89% | 6.32% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80% | Owner occupied · P&I | 5 yrs fixed | 70–80% LVR · $20,000+ | 6.89% | 6.32% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90% | Owner occupied · P&I | 5 yrs fixed | 80–90% LVR · $20,000+ | 7.14% | 6.71% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95% | Owner occupied · P&I | 5 yrs fixed | 90–95% LVR · $20,000+ | 7.79% | 7.79% | — |
| FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 95% to 100% | Owner occupied · P&I | 5 yrs fixed | 95–100% LVR · $20,000+ | 7.79% | 7.79% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k | Investment · Interest only | — | ≤60% LVR · $150,000+ | 6.39% | 6.17% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k | Investment · Interest only | — | ≤60% LVR · $20,000–$149,999 | 6.39% | 6.32% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k | Investment · Interest only | — | 60–70% LVR · $150,000+ | 6.39% | 6.17% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k | Investment · Interest only | — | 60–70% LVR · $20,000–$149,999 | 6.39% | 6.32% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k | Investment · Interest only | — | 70–80% LVR · $150,000+ | 6.44% | 6.20% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k | Investment · Interest only | — | 70–80% LVR · $20,000–$149,999 | 6.44% | 6.34% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k | Investment · Interest only | — | 80–90% LVR · $150,000+ | 6.74% | 6.67% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k | Investment · Interest only | — | 80–90% LVR · $20,000–$149,999 | 6.74% | 6.64% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k | Investment · Interest only | — | 90–95% LVR · $150,000+ | 8.49% | 8.40% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k | Investment · Interest only | — | 90–95% LVR · $20,000–$149,999 | 8.49% | 8.40% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k | Investment · Interest only | — | 95–100% LVR · $150,000+ | 8.49% | 8.40% | — |
| VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k | Investment · Interest only | — | 95–100% LVR · $20,000–$149,999 | 8.49% | 8.40% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k | Investment · P&I | — | ≤60% LVR · $150,000+ | 5.99% | 6.01% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k | Investment · P&I | — | ≤60% LVR · $20,000–$149,999 | 6.24% | 6.26% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k | Investment · P&I | — | 60–70% LVR · $150,000+ | 5.99% | 6.01% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k | Investment · P&I | — | 60–70% LVR · $20,000–$149,999 | 6.24% | 6.26% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k | Investment · P&I | — | 70–80% LVR · $150,000+ | 5.99% | 6.01% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k | Investment · P&I | — | 70–80% LVR · $20,000–$149,999 | 6.24% | 6.26% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k | Investment · P&I | — | 80–90% LVR · $150,000+ | 6.59% | 6.61% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k | Investment · P&I | — | 80–90% LVR · $20,000–$149,999 | 6.54% | 6.56% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k | Investment · P&I | — | 90–95% LVR · $150,000+ | 8.29% | 8.31% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k | Investment · P&I | — | 90–95% LVR · $20,000–$149,999 | 8.29% | 8.31% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k | Investment · P&I | — | 95–100% LVR · $150,000+ | 8.29% | 8.31% | — |
| VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k | Investment · P&I | — | 95–100% LVR · $20,000–$149,999 | 8.29% | 8.31% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k | Owner occupied · Interest only | — | ≤60% LVR · $150,000+ | 8.42% | 6.99% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k | Owner occupied · Interest only | — | ≤60% LVR · $20,000–$149,999 | 8.42% | 8.45% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k | Owner occupied · Interest only | — | 60–70% LVR · $150,000+ | 8.42% | 6.99% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k | Owner occupied · Interest only | — | 60–70% LVR · $20,000–$149,999 | 8.42% | 8.45% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k | Owner occupied · Interest only | — | 70–80% LVR · $150,000+ | 8.42% | 6.99% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k | Owner occupied · Interest only | — | 70–80% LVR · $20,000–$149,999 | 8.42% | 8.45% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k | Owner occupied · Interest only | — | 80–90% LVR · $150,000+ | 8.69% | 7.40% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k | Owner occupied · Interest only | — | 80–90% LVR · $20,000–$149,999 | 8.69% | 8.72% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k | Owner occupied · Interest only | — | 90–95% LVR · $150,000+ | 8.69% | 8.20% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k | Owner occupied · Interest only | — | 90–95% LVR · $20,000–$149,999 | 8.69% | 8.72% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k | Owner occupied · Interest only | — | 95–100% LVR · $150,000+ | 8.69% | 8.20% | — |
| VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k | Owner occupied · Interest only | — | 95–100% LVR · $20,000–$149,999 | 8.69% | 8.72% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k | Owner occupied · P&I | — | ≤60% LVR · $150,000+ | 5.84% | 5.86% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k | Owner occupied · P&I | — | ≤60% LVR · $20,000–$149,999 | 8.45% | 8.47% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k | Owner occupied · P&I | — | 60–70% LVR · $150,000+ | 5.84% | 5.86% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k | Owner occupied · P&I | — | 60–70% LVR · $20,000–$149,999 | 8.45% | 8.47% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k | Owner occupied · P&I | — | 70–80% LVR · $150,000+ | 5.84% | 5.86% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k | Owner occupied · P&I | — | 70–80% LVR · $20,000–$149,999 | 8.45% | 8.47% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k | Owner occupied · P&I | — | 80–90% LVR · $150,000+ | 6.34% | 6.36% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k | Owner occupied · P&I | — | 80–90% LVR · $20,000–$149,999 | 8.71% | 8.73% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k | Owner occupied · P&I | — | 90–95% LVR · $150,000+ | 7.77% | 7.79% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k | Owner occupied · P&I | — | 90–95% LVR · $20,000–$149,999 | 8.71% | 8.73% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k | Owner occupied · P&I | — | 95–100% LVR · $150,000+ | 7.77% | 7.79% | — |
| VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k | Owner occupied · P&I | — | 95–100% LVR · $20,000–$149,999 | 8.71% | 8.73% | — |
§ 02 — Fees · 15
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Legal Review Fees - Standard | Event | $350 | — | Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a standard document. A standard document may include but is not limited to:… |
| Mortgagee Sale Fee | Event | $400 | — | Charged for each property we hold as security for a loan facility where the lender commences mortgagee sale procedures (whether or not a sale is completed). |
| Valuation Fee (for new applications) | Event | $300 | — | At cost for valuations costs in excess of $300 |
| Valuation Fee (for post-settlement variations) | Event | $300 | — | At cost for valuations costs in excess of $300 |
| Vouchers and other records for searching - General search | Event | $60 | — | each hour (minimum $30) General search of records |
| Vouchers and other records for searching - Privacy Act | Event | $66 | — | each hour (GST inclusive) Privacy Act - access request |
| Security Release Fee | Exit | $350 | — | Payable when we agree (at your request) to discharge a security. |
| Late Payment Fee | Late payment | $30 | 1 days after due | Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. |
| Paper Statement Fee | Periodic | $4 | Every 6 mo | $4 every 6 months & for copies / interim statements |
| Application Fee | Upfront | No fee | — | Payable for processing application of your loans. Charged at settlement |
| Rate Lock Fee | Upfront | $750 | — | Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period. |
| Settlement Fee | Upfront | $150 | — | Payable for completing settlement of your loans |
| Substitution of Security Fee | Variation | $300 | — | Payable if we agree to substitute one security for another security |
| Top up Fee | Variation | $150 | — | Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase |
| Variation Fee | Variation | $300 | — | Charged for any variations made to the loan that need documentation |
§ 03 — Features
RedrawExtra repaymentsDigital bankingVirgin Reward Points
- · Split home loans
- · Interest Only and P&I repayment options
- · Up to 95% LVR (including LMI) for P&I loans
- · Weekly, Fortnightly frequencies for all P&I loans. Monthly repayment frequency only for IO loans.
- · Up to 90% LVR (excluding LMI) for IO loans
- · Ability to Rate Lock
- · Fixed and Variable interest rates
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Available to individuals
- · Maximum LVR 100%
- · Looking to purchase a home or have an existing home loan with a residential property in Australia.
- · Cross-Collateralisation is not supported. We can only accept single security applications.
- · Earn a regular PAYG income (for example self-employed applicants are excluded and cannot earn a foreign income for tax purposes).
§ 06 — Run the numbers
Put this product through a calculator
Published by Virgin Money under the Consumer Data Right, last changed by them on 22 July 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.