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Virgin Money Lite Home Loan

Virgin Money Lite Home Loan

Home loansBank updated 6 Nov 2026
Apply at Virgin Money ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I)
6.34%6.36% comparison
Variable (investor P&I)
6.49%
Fixed
1 yr 6.89%, 2 yrs 6.79%, 3 yrs 6.84%, 4 yrs 6.99%, 5 yrs 6.99%
Max LVR
100%
Features
redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 6.34%Every other institution's lowest, 103 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.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions39th lowest of 104, level with 10 others
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions66th lowest of 82, level with 2 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.79%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions51st lowest of 84, level with 6 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.84%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions47th lowest of 80, level with 3 others
5-year fixed home loanOwner occupier, principal & interest, 80% LVR6.99%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions38th lowest of 63, level with 4 others
Investor variable home loanInvestment, principal & interest, 80% LVR6.49%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions26th lowest of 104, level with 14 others

Rates

Every rate Virgin Money Australia publishes for this home loan, 168 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. Variabletypical 6.38%6.34%
  2. 1 yr fixedtypical 6.59%6.89%
  3. 2 yrs fixedtypical 6.62%6.79%
  4. 3 yrs fixedtypical 6.69%6.84%
  5. 4 yrs fixed6.99%
  6. 5 yrs fixedtypical 6.89%6.99%
This home loanTypical lender's best

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. ≤60%6.34%
  2. 60–70%6.34%
  3. 70–80%6.34%
  4. 80–90%6.84%
  5. 90–95%8.27%
  6. 95–100%8.27%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%Investment, Interest only1 yr fixed≤60% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%Investment, Interest only1 yr fixed60–70% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%Investment, Interest only1 yr fixed70–80% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%Investment, Interest only1 yr fixed80–90% LVR, $20,000+7.24%7.12%-
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%Investment, Interest only1 yr fixed90–95% LVR, $20,000+8.04%8.72%-
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%Investment, Interest only1 yr fixed95–100% LVR, $20,000+8.04%8.72%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%Investment, Interest only2 yrs fixed≤60% LVR, $20,000+6.94%6.59%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%Investment, Interest only2 yrs fixed60–70% LVR, $20,000+6.94%6.59%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%Investment, Interest only2 yrs fixed70–80% LVR, $20,000+6.94%6.59%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%Investment, Interest only2 yrs fixed80–90% LVR, $20,000+7.14%7.12%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%Investment, Interest only2 yrs fixed90–95% LVR, $20,000+7.79%8.59%-
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%Investment, Interest only2 yrs fixed95–100% LVR, $20,000+7.79%8.59%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%Investment, Interest only3 yrs fixed≤60% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%Investment, Interest only3 yrs fixed60–70% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%Investment, Interest only3 yrs fixed70–80% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%Investment, Interest only3 yrs fixed80–90% LVR, $20,000+7.09%7.10%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%Investment, Interest only3 yrs fixed90–95% LVR, $20,000+7.94%8.55%-
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%Investment, Interest only3 yrs fixed95–100% LVR, $20,000+7.94%8.55%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%Investment, Interest only4 yrs fixed≤60% LVR, $20,000+7.19%6.76%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%Investment, Interest only4 yrs fixed60–70% LVR, $20,000+7.19%6.76%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%Investment, Interest only4 yrs fixed70–80% LVR, $20,000+7.19%6.76%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%Investment, Interest only4 yrs fixed80–90% LVR, $20,000+7.29%7.18%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%Investment, Interest only4 yrs fixed90–95% LVR, $20,000+7.74%8.40%-
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%Investment, Interest only4 yrs fixed95–100% LVR, $20,000+7.74%8.40%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%Investment, Interest only5 yrs fixed≤60% LVR, $20,000+7.19%6.81%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%Investment, Interest only5 yrs fixed60–70% LVR, $20,000+7.19%6.81%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%Investment, Interest only5 yrs fixed70–80% LVR, $20,000+7.19%6.81%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%Investment, Interest only5 yrs fixed80–90% LVR, $20,000+7.29%7.19%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%Investment, Interest only5 yrs fixed90–95% LVR, $20,000+7.74%8.33%-
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%Investment, Interest only5 yrs fixed95–100% LVR, $20,000+7.74%8.33%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%Investment, P&I1 yr fixed≤60% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%Investment, P&I1 yr fixed60–70% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%Investment, P&I1 yr fixed70–80% LVR, $20,000+7.04%6.56%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%Investment, P&I1 yr fixed80–90% LVR, $20,000+7.34%7.13%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%Investment, P&I1 yr fixed90–95% LVR, $20,000+7.84%8.70%-
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%Investment, P&I1 yr fixed95–100% LVR, $20,000+7.84%8.70%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%Investment, P&I2 yrs fixed≤60% LVR, $20,000+6.94%6.60%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%Investment, P&I2 yrs fixed60–70% LVR, $20,000+6.94%6.60%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%Investment, P&I2 yrs fixed70–80% LVR, $20,000+6.94%6.60%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%Investment, P&I2 yrs fixed80–90% LVR, $20,000+7.14%7.12%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%Investment, P&I2 yrs fixed90–95% LVR, $20,000+7.89%8.61%-
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%Investment, P&I2 yrs fixed95–100% LVR, $20,000+7.89%8.61%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%Investment, P&I3 yrs fixed≤60% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%Investment, P&I3 yrs fixed60–70% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%Investment, P&I3 yrs fixed70–80% LVR, $20,000+6.99%6.65%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%Investment, P&I3 yrs fixed80–90% LVR, $20,000+7.09%7.11%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%Investment, P&I3 yrs fixed90–95% LVR, $20,000+7.74%8.48%-
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%Investment, P&I3 yrs fixed95–100% LVR, $20,000+7.74%8.48%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%Investment, P&I4 yrs fixed≤60% LVR, $20,000+7.14%6.75%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%Investment, P&I4 yrs fixed60–70% LVR, $20,000+7.14%6.75%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%Investment, P&I4 yrs fixed70–80% LVR, $20,000+7.14%6.75%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%Investment, P&I4 yrs fixed80–90% LVR, $20,000+7.24%7.16%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%Investment, P&I4 yrs fixed90–95% LVR, $20,000+7.84%8.43%-
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%Investment, P&I4 yrs fixed95–100% LVR, $20,000+7.84%8.43%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%Investment, P&I5 yrs fixed≤60% LVR, $20,000+7.14%6.80%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%Investment, P&I5 yrs fixed60–70% LVR, $20,000+7.14%6.80%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%Investment, P&I5 yrs fixed70–80% LVR, $20,000+7.14%6.80%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%Investment, P&I5 yrs fixed80–90% LVR, $20,000+7.24%7.17%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%Investment, P&I5 yrs fixed90–95% LVR, $20,000+7.84%8.36%-
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%Investment, P&I5 yrs fixed95–100% LVR, $20,000+7.84%8.36%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%Owner occupied, Interest only1 yr fixed≤60% LVR, $20,000+7.09%6.43%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%Owner occupied, Interest only1 yr fixed60–70% LVR, $20,000+7.09%6.43%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%Owner occupied, Interest only1 yr fixed70–80% LVR, $20,000+7.09%6.43%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%Owner occupied, Interest only1 yr fixed80–90% LVR, $20,000+7.34%6.91%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%Owner occupied, Interest only1 yr fixed90–95% LVR, $20,000+7.44%8.19%-
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%Owner occupied, Interest only1 yr fixed95–100% LVR, $20,000+7.44%8.19%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%Owner occupied, Interest only2 yrs fixed≤60% LVR, $20,000+7.09%6.50%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%Owner occupied, Interest only2 yrs fixed60–70% LVR, $20,000+7.09%6.50%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%Owner occupied, Interest only2 yrs fixed70–80% LVR, $20,000+7.09%6.50%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%Owner occupied, Interest only2 yrs fixed80–90% LVR, $20,000+7.09%6.91%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%Owner occupied, Interest only2 yrs fixed90–95% LVR, $20,000+7.19%8.06%-
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%Owner occupied, Interest only2 yrs fixed95–100% LVR, $20,000+7.19%8.06%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%Owner occupied, Interest only3 yrs fixed≤60% LVR, $20,000+7.59%6.71%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%Owner occupied, Interest only3 yrs fixed60–70% LVR, $20,000+7.59%6.71%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%Owner occupied, Interest only3 yrs fixed70–80% LVR, $20,000+7.59%6.71%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%Owner occupied, Interest only3 yrs fixed80–90% LVR, $20,000+7.49%7.04%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%Owner occupied, Interest only3 yrs fixed90–95% LVR, $20,000+7.59%8.08%-
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%Owner occupied, Interest only3 yrs fixed95–100% LVR, $20,000+7.59%8.08%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%Owner occupied, Interest only4 yrs fixed≤60% LVR, $20,000+7.69%6.85%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%Owner occupied, Interest only4 yrs fixed60–70% LVR, $20,000+7.69%6.85%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%Owner occupied, Interest only4 yrs fixed70–80% LVR, $20,000+7.69%6.85%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%Owner occupied, Interest only4 yrs fixed80–90% LVR, $20,000+7.49%7.09%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%Owner occupied, Interest only4 yrs fixed90–95% LVR, $20,000+7.59%8.03%-
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%Owner occupied, Interest only4 yrs fixed95–100% LVR, $20,000+7.59%8.03%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%Owner occupied, Interest only5 yrs fixed≤60% LVR, $20,000+7.84%7.01%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%Owner occupied, Interest only5 yrs fixed60–70% LVR, $20,000+7.84%7.01%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%Owner occupied, Interest only5 yrs fixed70–80% LVR, $20,000+7.84%7.01%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%Owner occupied, Interest only5 yrs fixed80–90% LVR, $20,000+7.64%7.21%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%Owner occupied, Interest only5 yrs fixed90–95% LVR, $20,000+7.74%8.05%-
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%Owner occupied, Interest only5 yrs fixed95–100% LVR, $20,000+7.74%8.05%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60%Owner occupied, P&I1 yr fixed≤60% LVR, $20,000+6.89%6.41%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70%Owner occupied, P&I1 yr fixed60–70% LVR, $20,000+6.89%6.41%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80%Owner occupied, P&I1 yr fixed70–80% LVR, $20,000+6.89%6.41%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90%Owner occupied, P&I1 yr fixed80–90% LVR, $20,000+7.24%6.90%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95%Owner occupied, P&I1 yr fixed90–95% LVR, $20,000+8.19%8.28%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 95% to 100%Owner occupied, P&I1 yr fixed95–100% LVR, $20,000+8.19%8.28%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60%Owner occupied, P&I2 yrs fixed≤60% LVR, $20,000+6.79%6.45%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 60% to 70%Owner occupied, P&I2 yrs fixed60–70% LVR, $20,000+6.79%6.45%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 70% to 80%Owner occupied, P&I2 yrs fixed70–80% LVR, $20,000+6.79%6.45%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90%Owner occupied, P&I2 yrs fixed80–90% LVR, $20,000+7.14%6.92%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 90% to 95%Owner occupied, P&I2 yrs fixed90–95% LVR, $20,000+7.74%8.17%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100%Owner occupied, P&I2 yrs fixed95–100% LVR, $20,000+7.74%8.17%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60%Owner occupied, P&I3 yrs fixed≤60% LVR, $20,000+6.84%6.50%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70%Owner occupied, P&I3 yrs fixed60–70% LVR, $20,000+6.84%6.50%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 70% to 80%Owner occupied, P&I3 yrs fixed70–80% LVR, $20,000+6.84%6.50%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90%Owner occupied, P&I3 yrs fixed80–90% LVR, $20,000+7.09%6.93%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95%Owner occupied, P&I3 yrs fixed90–95% LVR, $20,000+7.74%8.12%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100%Owner occupied, P&I3 yrs fixed95–100% LVR, $20,000+7.74%8.12%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60%Owner occupied, P&I4 yrs fixed≤60% LVR, $20,000+6.99%6.60%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70%Owner occupied, P&I4 yrs fixed60–70% LVR, $20,000+6.99%6.60%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80%Owner occupied, P&I4 yrs fixed70–80% LVR, $20,000+6.99%6.60%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90%Owner occupied, P&I4 yrs fixed80–90% LVR, $20,000+7.24%7.01%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95%Owner occupied, P&I4 yrs fixed90–95% LVR, $20,000+7.74%8.08%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100%Owner occupied, P&I4 yrs fixed95–100% LVR, $20,000+7.74%8.08%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60%Owner occupied, P&I5 yrs fixed≤60% LVR, $20,000+6.99%6.64%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70%Owner occupied, P&I5 yrs fixed60–70% LVR, $20,000+6.99%6.64%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80%Owner occupied, P&I5 yrs fixed70–80% LVR, $20,000+6.99%6.64%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90%Owner occupied, P&I5 yrs fixed80–90% LVR, $20,000+7.24%7.04%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95%Owner occupied, P&I5 yrs fixed90–95% LVR, $20,000+7.89%8.11%-
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 95% to 100%Owner occupied, P&I5 yrs fixed95–100% LVR, $20,000+7.89%8.11%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150kInvestment, Interest only-≤60% LVR, $150,000+6.89%6.68%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150kInvestment, Interest only-≤60% LVR, $20,000–$149,9996.89%6.82%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150kInvestment, Interest only-60–70% LVR, $150,000+6.89%6.68%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150kInvestment, Interest only-60–70% LVR, $20,000–$149,9996.89%6.82%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150kInvestment, Interest only-70–80% LVR, $150,000+6.94%6.70%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150kInvestment, Interest only-70–80% LVR, $20,000–$149,9996.94%6.84%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150kInvestment, Interest only-80–90% LVR, $150,000+7.24%7.17%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150kInvestment, Interest only-80–90% LVR, $20,000–$149,9997.24%7.14%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150kInvestment, Interest only-90–95% LVR, $150,000+8.99%8.90%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150kInvestment, Interest only-90–95% LVR, $20,000–$149,9998.99%8.90%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150kInvestment, Interest only-95–100% LVR, $150,000+8.99%8.90%-
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150kInvestment, Interest only-95–100% LVR, $20,000–$149,9998.99%8.90%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150kInvestment, P&I-≤60% LVR, $150,000+6.49%6.51%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150kInvestment, P&I-≤60% LVR, $20,000–$149,9996.74%6.76%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150kInvestment, P&I-60–70% LVR, $150,000+6.49%6.51%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150kInvestment, P&I-60–70% LVR, $20,000–$149,9996.74%6.76%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150kInvestment, P&I-70–80% LVR, $150,000+6.49%6.51%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150kInvestment, P&I-70–80% LVR, $20,000–$149,9996.74%6.76%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150kInvestment, P&I-80–90% LVR, $150,000+7.09%7.11%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150kInvestment, P&I-80–90% LVR, $20,000–$149,9997.04%7.06%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150kInvestment, P&I-90–95% LVR, $150,000+8.79%8.81%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150kInvestment, P&I-90–95% LVR, $20,000–$149,9998.79%8.81%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150kInvestment, P&I-95–100% LVR, $150,000+8.79%8.81%-
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150kInvestment, P&I-95–100% LVR, $20,000–$149,9998.79%8.81%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150kOwner occupied, Interest only-≤60% LVR, $150,000+8.92%7.51%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150kOwner occupied, Interest only-≤60% LVR, $20,000–$149,9998.92%8.95%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150kOwner occupied, Interest only-60–70% LVR, $150,000+8.92%7.51%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150kOwner occupied, Interest only-60–70% LVR, $20,000–$149,9998.92%8.95%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150kOwner occupied, Interest only-70–80% LVR, $150,000+8.92%7.51%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150kOwner occupied, Interest only-70–80% LVR, $20,000–$149,9998.92%8.95%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150kOwner occupied, Interest only-80–90% LVR, $150,000+9.19%7.92%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150kOwner occupied, Interest only-80–90% LVR, $20,000–$149,9999.19%9.22%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150kOwner occupied, Interest only-90–95% LVR, $150,000+9.19%8.71%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150kOwner occupied, Interest only-90–95% LVR, $20,000–$149,9999.19%9.22%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150kOwner occupied, Interest only-95–100% LVR, $150,000+9.19%8.71%-
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150kOwner occupied, Interest only-95–100% LVR, $20,000–$149,9999.19%9.22%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150kOwner occupied, P&I-≤60% LVR, $150,000+6.34%6.36%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150kOwner occupied, P&I-≤60% LVR, $20,000–$149,9998.95%8.97%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150kOwner occupied, P&I-60–70% LVR, $150,000+6.34%6.36%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150kOwner occupied, P&I-60–70% LVR, $20,000–$149,9998.95%8.97%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150kOwner occupied, P&I-70–80% LVR, $150,000+6.34%6.36%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150kOwner occupied, P&I-70–80% LVR, $20,000–$149,9998.95%8.97%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150kOwner occupied, P&I-80–90% LVR, $150,000+6.84%6.86%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150kOwner occupied, P&I-80–90% LVR, $20,000–$149,9999.21%9.23%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150kOwner occupied, P&I-90–95% LVR, $150,000+8.27%8.29%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150kOwner occupied, P&I-90–95% LVR, $20,000–$149,9999.21%9.23%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150kOwner occupied, P&I-95–100% LVR, $150,000+8.27%8.29%-
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150kOwner occupied, P&I-95–100% LVR, $20,000–$149,9999.21%9.23%-

Rate changes

198 changes logged, newest first.

DateRateWasNowChange
7 Nov 2026Variable, Investment, Interest only, ≤60% LVR, $150,000+6.64%6.89%up 0.25
7 Nov 2026Variable, Investment, Interest only, ≤60% LVR, $20,000–$149,9996.64%6.89%up 0.25
7 Nov 2026Variable, Investment, Interest only, 60–70% LVR, $150,000+6.64%6.89%up 0.25
7 Nov 2026Variable, Investment, Interest only, 60–70% LVR, $20,000–$149,9996.64%6.89%up 0.25
7 Nov 2026Variable, Investment, Interest only, 70–80% LVR, $150,000+6.69%6.94%up 0.25
7 Nov 2026Variable, Investment, Interest only, 70–80% LVR, $20,000–$149,9996.69%6.94%up 0.25
7 Nov 2026Variable, Investment, Interest only, 80–90% LVR, $150,000+6.99%7.24%up 0.25
7 Nov 2026Variable, Investment, Interest only, 80–90% LVR, $20,000–$149,9996.99%7.24%up 0.25
7 Nov 2026Variable, Investment, Interest only, 90–95% LVR, $150,000+8.74%8.99%up 0.25
7 Nov 2026Variable, Investment, Interest only, 90–95% LVR, $20,000–$149,9998.74%8.99%up 0.25
7 Nov 2026Variable, Investment, Interest only, 95–100% LVR, $150,000+8.74%8.99%up 0.25
7 Nov 2026Variable, Investment, Interest only, 95–100% LVR, $20,000–$149,9998.74%8.99%up 0.25
7 Nov 2026Variable, Investment, P&I, ≤60% LVR, $150,000+6.24%6.49%up 0.25
7 Nov 2026Variable, Investment, P&I, ≤60% LVR, $20,000–$149,9996.49%6.74%up 0.25
7 Nov 2026Variable, Investment, P&I, 60–70% LVR, $150,000+6.24%6.49%up 0.25
7 Nov 2026Variable, Investment, P&I, 60–70% LVR, $20,000–$149,9996.49%6.74%up 0.25
7 Nov 2026Variable, Investment, P&I, 70–80% LVR, $150,000+6.24%6.49%up 0.25
7 Nov 2026Variable, Investment, P&I, 70–80% LVR, $20,000–$149,9996.49%6.74%up 0.25
7 Nov 2026Variable, Investment, P&I, 80–90% LVR, $150,000+6.84%7.09%up 0.25
7 Nov 2026Variable, Investment, P&I, 80–90% LVR, $20,000–$149,9996.79%7.04%up 0.25
7 Nov 2026Variable, Investment, P&I, 90–95% LVR, $150,000+8.54%8.79%up 0.25
7 Nov 2026Variable, Investment, P&I, 90–95% LVR, $20,000–$149,9998.54%8.79%up 0.25
7 Nov 2026Variable, Investment, P&I, 95–100% LVR, $150,000+8.54%8.79%up 0.25
7 Nov 2026Variable, Investment, P&I, 95–100% LVR, $20,000–$149,9998.54%8.79%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, ≤60% LVR, $150,000+8.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, ≤60% LVR, $20,000–$149,9998.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 60–70% LVR, $150,000+8.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 60–70% LVR, $20,000–$149,9998.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 70–80% LVR, $150,000+8.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 70–80% LVR, $20,000–$149,9998.67%8.92%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 80–90% LVR, $150,000+8.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 80–90% LVR, $20,000–$149,9998.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 90–95% LVR, $150,000+8.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 90–95% LVR, $20,000–$149,9998.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 95–100% LVR, $150,000+8.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, Interest only, 95–100% LVR, $20,000–$149,9998.94%9.19%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, ≤60% LVR, $150,000+6.09%6.34%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, ≤60% LVR, $20,000–$149,9998.70%8.95%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 60–70% LVR, $150,000+6.09%6.34%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 60–70% LVR, $20,000–$149,9998.70%8.95%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 70–80% LVR, $150,000+6.09%6.34%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 70–80% LVR, $20,000–$149,9998.70%8.95%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 80–90% LVR, $150,000+6.59%6.84%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 80–90% LVR, $20,000–$149,9998.96%9.21%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 90–95% LVR, $150,000+8.02%8.27%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 90–95% LVR, $20,000–$149,9998.96%9.21%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 95–100% LVR, $150,000+8.02%8.27%up 0.25
7 Nov 2026Variable, Owner occupied, P&I, 95–100% LVR, $20,000–$149,9998.96%9.21%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, ≤60% LVR, $20,000+6.79%7.04%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 60–70% LVR, $20,000+6.79%7.04%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 70–80% LVR, $20,000+6.79%7.04%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR, $20,000+6.99%7.24%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 90–95% LVR, $20,000+7.79%8.04%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 95–100% LVR, $20,000+7.79%8.04%up 0.25
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤60% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 60–70% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 70–80% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR, $20,000+6.59%7.14%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 90–95% LVR, $20,000+7.24%7.79%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 95–100% LVR, $20,000+7.24%7.79%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤60% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 60–70% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 70–80% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR, $20,000+6.54%7.09%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 90–95% LVR, $20,000+7.39%7.94%up 0.55
4 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 95–100% LVR, $20,000+7.39%7.94%up 0.55
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, ≤60% LVR, $20,000+6.69%7.04%up 0.35
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 60–70% LVR, $20,000+6.69%7.04%up 0.35
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 70–80% LVR, $20,000+6.69%7.04%up 0.35
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR, $20,000+6.99%7.34%up 0.35
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 90–95% LVR, $20,000+7.49%7.84%up 0.35
4 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 95–100% LVR, $20,000+7.49%7.84%up 0.35
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, ≤60% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 60–70% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 70–80% LVR, $20,000+6.39%6.94%up 0.55
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR, $20,000+6.59%7.14%up 0.55
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 90–95% LVR, $20,000+7.34%7.89%up 0.55
4 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 95–100% LVR, $20,000+7.34%7.89%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 60–70% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 70–80% LVR, $20,000+6.44%6.99%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR, $20,000+6.54%7.09%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 90–95% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 95–100% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, ≤60% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 60–70% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 70–80% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR, $20,000+7.19%7.24%up 0.05
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 90–95% LVR, $20,000+7.79%7.84%up 0.05
4 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 95–100% LVR, $20,000+7.79%7.84%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, ≤60% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 60–70% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 70–80% LVR, $20,000+7.09%7.14%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR, $20,000+7.19%7.24%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 90–95% LVR, $20,000+7.79%7.84%up 0.05
4 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 95–100% LVR, $20,000+7.79%7.84%up 0.05
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤60% LVR, $20,000+6.79%7.09%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 60–70% LVR, $20,000+6.79%7.09%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 70–80% LVR, $20,000+6.79%7.09%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–90% LVR, $20,000+6.79%7.09%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 90–95% LVR, $20,000+6.89%7.19%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 95–100% LVR, $20,000+6.89%7.19%up 0.30
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤60% LVR, $20,000+6.59%7.59%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 60–70% LVR, $20,000+6.59%7.59%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 70–80% LVR, $20,000+6.59%7.59%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–90% LVR, $20,000+6.49%7.49%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 90–95% LVR, $20,000+6.59%7.59%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 95–100% LVR, $20,000+6.59%7.59%up 1.00
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤60% LVR, $20,000+6.99%7.69%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 60–70% LVR, $20,000+6.99%7.69%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 70–80% LVR, $20,000+6.99%7.69%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 80–90% LVR, $20,000+6.79%7.49%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 90–95% LVR, $20,000+6.89%7.59%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 95–100% LVR, $20,000+6.89%7.59%up 0.70
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤60% LVR, $20,000+7.19%7.84%up 0.65
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 60–70% LVR, $20,000+7.19%7.84%up 0.65
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 70–80% LVR, $20,000+7.19%7.84%up 0.65
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–90% LVR, $20,000+6.99%7.64%up 0.65
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 90–95% LVR, $20,000+7.09%7.74%up 0.65
4 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 95–100% LVR, $20,000+7.09%7.74%up 0.65
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤60% LVR, $20,000+6.49%6.89%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 60–70% LVR, $20,000+6.49%6.89%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 70–80% LVR, $20,000+6.49%6.89%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–90% LVR, $20,000+6.84%7.24%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 90–95% LVR, $20,000+7.79%8.19%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 95–100% LVR, $20,000+7.79%8.19%up 0.40
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤60% LVR, $20,000+6.24%6.79%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 60–70% LVR, $20,000+6.24%6.79%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 70–80% LVR, $20,000+6.24%6.79%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–90% LVR, $20,000+6.59%7.14%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 90–95% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 95–100% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR, $20,000+6.29%6.84%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 60–70% LVR, $20,000+6.29%6.84%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 70–80% LVR, $20,000+6.29%6.84%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–90% LVR, $20,000+6.54%7.09%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 90–95% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 95–100% LVR, $20,000+7.19%7.74%up 0.55
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, ≤60% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 60–70% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 70–80% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 80–90% LVR, $20,000+7.14%7.24%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 90–95% LVR, $20,000+7.64%7.74%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 95–100% LVR, $20,000+7.64%7.74%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤60% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 60–70% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 70–80% LVR, $20,000+6.89%6.99%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–90% LVR, $20,000+7.14%7.24%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 90–95% LVR, $20,000+7.79%7.89%up 0.10
4 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 95–100% LVR, $20,000+7.79%7.89%up 0.10
4 Oct 2026Variable, Investment, Interest only, ≤60% LVR, $150,000+6.39%6.64%up 0.25
4 Oct 2026Variable, Investment, Interest only, ≤60% LVR, $20,000–$149,9996.39%6.64%up 0.25
4 Oct 2026Variable, Investment, Interest only, 60–70% LVR, $150,000+6.39%6.64%up 0.25
4 Oct 2026Variable, Investment, Interest only, 60–70% LVR, $20,000–$149,9996.39%6.64%up 0.25
4 Oct 2026Variable, Investment, Interest only, 70–80% LVR, $150,000+6.44%6.69%up 0.25
4 Oct 2026Variable, Investment, Interest only, 70–80% LVR, $20,000–$149,9996.44%6.69%up 0.25
4 Oct 2026Variable, Investment, Interest only, 80–90% LVR, $150,000+6.74%6.99%up 0.25
4 Oct 2026Variable, Investment, Interest only, 80–90% LVR, $20,000–$149,9996.74%6.99%up 0.25
4 Oct 2026Variable, Investment, Interest only, 90–95% LVR, $150,000+8.49%8.74%up 0.25
4 Oct 2026Variable, Investment, Interest only, 90–95% LVR, $20,000–$149,9998.49%8.74%up 0.25
4 Oct 2026Variable, Investment, Interest only, 95–100% LVR, $150,000+8.49%8.74%up 0.25
4 Oct 2026Variable, Investment, Interest only, 95–100% LVR, $20,000–$149,9998.49%8.74%up 0.25
4 Oct 2026Variable, Investment, P&I, ≤60% LVR, $150,000+5.99%6.24%up 0.25
4 Oct 2026Variable, Investment, P&I, ≤60% LVR, $20,000–$149,9996.24%6.49%up 0.25
4 Oct 2026Variable, Investment, P&I, 60–70% LVR, $150,000+5.99%6.24%up 0.25
4 Oct 2026Variable, Investment, P&I, 60–70% LVR, $20,000–$149,9996.24%6.49%up 0.25
4 Oct 2026Variable, Investment, P&I, 70–80% LVR, $150,000+5.99%6.24%up 0.25
4 Oct 2026Variable, Investment, P&I, 70–80% LVR, $20,000–$149,9996.24%6.49%up 0.25
4 Oct 2026Variable, Investment, P&I, 80–90% LVR, $150,000+6.59%6.84%up 0.25
4 Oct 2026Variable, Investment, P&I, 80–90% LVR, $20,000–$149,9996.54%6.79%up 0.25
4 Oct 2026Variable, Investment, P&I, 90–95% LVR, $150,000+8.29%8.54%up 0.25
4 Oct 2026Variable, Investment, P&I, 90–95% LVR, $20,000–$149,9998.29%8.54%up 0.25
4 Oct 2026Variable, Investment, P&I, 95–100% LVR, $150,000+8.29%8.54%up 0.25
4 Oct 2026Variable, Investment, P&I, 95–100% LVR, $20,000–$149,9998.29%8.54%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, ≤60% LVR, $150,000+8.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, ≤60% LVR, $20,000–$149,9998.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 60–70% LVR, $150,000+8.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 60–70% LVR, $20,000–$149,9998.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 70–80% LVR, $150,000+8.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 70–80% LVR, $20,000–$149,9998.42%8.67%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 80–90% LVR, $150,000+8.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 80–90% LVR, $20,000–$149,9998.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 90–95% LVR, $150,000+8.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 90–95% LVR, $20,000–$149,9998.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 95–100% LVR, $150,000+8.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, Interest only, 95–100% LVR, $20,000–$149,9998.69%8.94%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, ≤60% LVR, $150,000+5.84%6.09%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, ≤60% LVR, $20,000–$149,9998.45%8.70%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 60–70% LVR, $150,000+5.84%6.09%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 60–70% LVR, $20,000–$149,9998.45%8.70%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 70–80% LVR, $150,000+5.84%6.09%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 70–80% LVR, $20,000–$149,9998.45%8.70%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 80–90% LVR, $150,000+6.34%6.59%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 80–90% LVR, $20,000–$149,9998.71%8.96%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 90–95% LVR, $150,000+7.77%8.02%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 90–95% LVR, $20,000–$149,9998.71%8.96%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 95–100% LVR, $150,000+7.77%8.02%up 0.25
4 Oct 2026Variable, Owner occupied, P&I, 95–100% LVR, $20,000–$149,9998.71%8.96%up 0.25

Each change is logged the night it appears in the rates Virgin Money publishes. See how every lender answered the RBA on the rate tracker.

Fees

15 fees published, grouped by when they're charged.

  1. When you take it outUp to $7503 fees, each listed below
  2. While you hold it$4 every 6 monthsPaper Statement Fee
  3. When you close it or pay it off$350Security Release Fee

When you take it out3

  • Application Fee

    Payable for processing application of your loans. Charged at settlement

    No fee
  • Rate Lock Fee

    Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.

    $750
  • Settlement Fee

    Payable for completing settlement of your loans

    $150

While you hold it1

  • Paper Statement Fee

    $4 every 6 months & for copies / interim statements

    $4 every 6 months

If a payment is late or fails1

  • Late Payment Fee

    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.

    $30 1 days after it's due

When particular things happen9

  • Legal Review Fees - Standard

    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:…

    $350
  • Mortgagee Sale Fee

    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).

    $400
  • Valuation Fee (for new applications)

    At cost for valuations costs in excess of $300

    $300
  • Valuation Fee (for post-settlement variations)

    At cost for valuations costs in excess of $300

    $300
  • Vouchers and other records for searching - General search

    each hour (minimum $30) General search of records

    $60
  • Vouchers and other records for searching - Privacy Act

    each hour (GST inclusive) Privacy Act - access request

    $66
  • Substitution of Security Fee

    Payable if we agree to substitute one security for another security

    $300
  • Top up Fee

    Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase

    $150
  • Variation Fee

    Charged for any variations made to the loan that need documentation

    $300

When you close it or pay it off1

  • Security Release Fee

    Payable when we agree (at your request) to discharge a security.

    $350

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

Eligibility and 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).

Published by Virgin Money under the Consumer Data Right, last changed by them on 6 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.