The Finance Algorithm
Virgin Money Australia

Virgin Money Loaded Home Loan

Virgin Money Loaded Home Loan

Home loansBank updated 22 July 2026
Apply at Virgin Money ↗Product page ↗Fees & pricing ↗Terms ↗
At a glance
Variable (owner occ. P&I)
6.09% · 6.38% comparison
Variable (investor P&I)
6.29%
Fixed
1 yr 6.49% · 2 yrs 6.24% · 3 yrs 6.29% · 4 yrs 6.89% · 5 yrs 6.89%
Max LVR
100%
Annual fee
$295
Features
offset, redraw, extra repayments
§ 01 — Rates · 216
TypeApplies toTermBandRateComparisonConditions
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%Investment · Interest only1 yr fixed≤60% LVR · $20,000+6.79%6.62%—
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%Investment · Interest only1 yr fixed60–70% LVR · $20,000+6.79%6.67%—
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%Investment · Interest only1 yr fixed70–80% LVR · $20,000+6.79%6.67%—
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%Investment · Interest only1 yr fixed80–90% LVR · $20,000+6.99%6.91%—
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%Investment · Interest only1 yr fixed90–95% LVR · $20,000+7.79%9.53%—
FixedFIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%Investment · Interest only1 yr fixed95–100% LVR · $20,000+7.79%9.53%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%Investment · Interest only2 yrs fixed≤60% LVR · $20,000+6.39%6.59%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%Investment · Interest only2 yrs fixed60–70% LVR · $20,000+6.39%6.63%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%Investment · Interest only2 yrs fixed70–80% LVR · $20,000+6.39%6.63%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%Investment · Interest only2 yrs fixed80–90% LVR · $20,000+6.59%6.87%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%Investment · Interest only2 yrs fixed90–95% LVR · $20,000+7.24%9.24%—
FixedFIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%Investment · Interest only2 yrs fixed95–100% LVR · $20,000+7.24%9.24%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%Investment · Interest only3 yrs fixed≤60% LVR · $20,000+6.44%6.61%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%Investment · Interest only3 yrs fixed60–70% LVR · $20,000+6.44%6.64%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%Investment · Interest only3 yrs fixed70–80% LVR · $20,000+6.44%6.64%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%Investment · Interest only3 yrs fixed80–90% LVR · $20,000+6.54%6.85%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%Investment · Interest only3 yrs fixed90–95% LVR · $20,000+7.39%9.08%—
FixedFIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%Investment · Interest only3 yrs fixed95–100% LVR · $20,000+7.39%9.08%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%Investment · Interest only4 yrs fixed≤60% LVR · $20,000+7.19%6.89%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%Investment · Interest only4 yrs fixed60–70% LVR · $20,000+7.19%6.92%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%Investment · Interest only4 yrs fixed70–80% LVR · $20,000+7.19%6.92%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%Investment · Interest only4 yrs fixed80–90% LVR · $20,000+7.29%7.11%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%Investment · Interest only4 yrs fixed90–95% LVR · $20,000+7.74%9.04%—
FixedFIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%Investment · Interest only4 yrs fixed95–100% LVR · $20,000+7.74%9.04%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%Investment · Interest only5 yrs fixed≤60% LVR · $20,000+7.19%6.95%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%Investment · Interest only5 yrs fixed60–70% LVR · $20,000+7.19%6.98%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%Investment · Interest only5 yrs fixed70–80% LVR · $20,000+7.19%6.98%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%Investment · Interest only5 yrs fixed80–90% LVR · $20,000+7.29%7.16%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%Investment · Interest only5 yrs fixed90–95% LVR · $20,000+7.74%8.92%—
FixedFIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%Investment · Interest only5 yrs fixed95–100% LVR · $20,000+7.74%8.92%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%Investment · P&I1 yr fixed≤60% LVR · $20,000+6.69%6.62%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%Investment · P&I1 yr fixed60–70% LVR · $20,000+6.69%6.66%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%Investment · P&I1 yr fixed70–80% LVR · $20,000+6.69%6.66%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%Investment · P&I1 yr fixed80–90% LVR · $20,000+6.99%6.92%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%Investment · P&I1 yr fixed90–95% LVR · $20,000+7.49%9.50%—
FixedFIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%Investment · P&I1 yr fixed95–100% LVR · $20,000+7.49%9.50%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%Investment · P&I2 yrs fixed≤60% LVR · $20,000+6.39%6.60%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%Investment · P&I2 yrs fixed60–70% LVR · $20,000+6.39%6.64%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%Investment · P&I2 yrs fixed70–80% LVR · $20,000+6.39%6.64%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%Investment · P&I2 yrs fixed80–90% LVR · $20,000+6.59%6.87%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%Investment · P&I2 yrs fixed90–95% LVR · $20,000+7.34%9.26%—
FixedFIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%Investment · P&I2 yrs fixed95–100% LVR · $20,000+7.34%9.26%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%Investment · P&I3 yrs fixed≤60% LVR · $20,000+6.44%6.62%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%Investment · P&I3 yrs fixed60–70% LVR · $20,000+6.44%6.65%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%Investment · P&I3 yrs fixed70–80% LVR · $20,000+6.44%6.65%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%Investment · P&I3 yrs fixed80–90% LVR · $20,000+6.54%6.86%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%Investment · P&I3 yrs fixed90–95% LVR · $20,000+7.19%9.02%—
FixedFIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%Investment · P&I3 yrs fixed95–100% LVR · $20,000+7.19%9.02%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%Investment · P&I4 yrs fixed≤60% LVR · $20,000+7.09%6.87%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%Investment · P&I4 yrs fixed60–70% LVR · $20,000+7.09%6.90%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%Investment · P&I4 yrs fixed70–80% LVR · $20,000+7.09%6.90%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%Investment · P&I4 yrs fixed80–90% LVR · $20,000+7.19%7.10%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%Investment · P&I4 yrs fixed90–95% LVR · $20,000+7.79%9.06%—
FixedFIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%Investment · P&I4 yrs fixed95–100% LVR · $20,000+7.79%9.06%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%Investment · P&I5 yrs fixed≤60% LVR · $20,000+7.09%6.93%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%Investment · P&I5 yrs fixed60–70% LVR · $20,000+7.09%6.96%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%Investment · P&I5 yrs fixed70–80% LVR · $20,000+7.09%6.96%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%Investment · P&I5 yrs fixed80–90% LVR · $20,000+7.19%7.14%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%Investment · P&I5 yrs fixed90–95% LVR · $20,000+7.79%8.94%—
FixedFIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%Investment · P&I5 yrs fixed95–100% LVR · $20,000+7.79%8.94%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%Owner occupied · Interest only1 yr fixed≤60% LVR · $20,000+7.09%6.48%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%Owner occupied · Interest only1 yr fixed60–70% LVR · $20,000+7.09%6.52%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%Owner occupied · Interest only1 yr fixed70–80% LVR · $20,000+7.09%6.52%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%Owner occupied · Interest only1 yr fixed80–90% LVR · $20,000+7.34%6.77%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%Owner occupied · Interest only1 yr fixed90–95% LVR · $20,000+7.44%8.35%—
FixedFIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%Owner occupied · Interest only1 yr fixed95–100% LVR · $20,000+7.44%8.35%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%Owner occupied · Interest only2 yrs fixed≤60% LVR · $20,000+6.79%6.51%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%Owner occupied · Interest only2 yrs fixed60–70% LVR · $20,000+6.79%6.55%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%Owner occupied · Interest only2 yrs fixed70–80% LVR · $20,000+6.79%6.55%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%Owner occupied · Interest only2 yrs fixed80–90% LVR · $20,000+6.79%6.75%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%Owner occupied · Interest only2 yrs fixed90–95% LVR · $20,000+6.89%8.16%—
FixedFIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%Owner occupied · Interest only2 yrs fixed95–100% LVR · $20,000+6.89%8.16%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%Owner occupied · Interest only3 yrs fixed≤60% LVR · $20,000+6.59%6.51%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%Owner occupied · Interest only3 yrs fixed60–70% LVR · $20,000+6.59%6.54%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%Owner occupied · Interest only3 yrs fixed70–80% LVR · $20,000+6.59%6.54%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%Owner occupied · Interest only3 yrs fixed80–90% LVR · $20,000+6.49%6.69%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%Owner occupied · Interest only3 yrs fixed90–95% LVR · $20,000+6.59%7.95%—
FixedFIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%Owner occupied · Interest only3 yrs fixed95–100% LVR · $20,000+6.59%7.95%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%Owner occupied · Interest only4 yrs fixed≤60% LVR · $20,000+6.99%6.69%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%Owner occupied · Interest only4 yrs fixed60–70% LVR · $20,000+6.99%6.72%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%Owner occupied · Interest only4 yrs fixed70–80% LVR · $20,000+6.99%6.72%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%Owner occupied · Interest only4 yrs fixed80–90% LVR · $20,000+6.79%6.80%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%Owner occupied · Interest only4 yrs fixed90–95% LVR · $20,000+6.89%7.94%—
FixedFIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%Owner occupied · Interest only4 yrs fixed95–100% LVR · $20,000+6.89%7.94%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%Owner occupied · Interest only5 yrs fixed≤60% LVR · $20,000+7.19%6.84%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%Owner occupied · Interest only5 yrs fixed60–70% LVR · $20,000+7.19%6.86%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%Owner occupied · Interest only5 yrs fixed70–80% LVR · $20,000+7.19%6.86%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%Owner occupied · Interest only5 yrs fixed80–90% LVR · $20,000+6.99%6.92%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%Owner occupied · Interest only5 yrs fixed90–95% LVR · $20,000+7.09%7.94%—
FixedFIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%Owner occupied · Interest only5 yrs fixed95–100% LVR · $20,000+7.09%7.94%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60%Owner occupied · P&I1 yr fixed≤60% LVR · $20,000+6.49%6.42%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70%Owner occupied · P&I1 yr fixed60–70% LVR · $20,000+6.49%6.46%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80%Owner occupied · P&I1 yr fixed70–80% LVR · $20,000+6.49%6.46%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90%Owner occupied · P&I1 yr fixed80–90% LVR · $20,000+6.84%6.72%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95%Owner occupied · P&I1 yr fixed90–95% LVR · $20,000+7.79%8.39%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 95% to 100%Owner occupied · P&I1 yr fixed95–100% LVR · $20,000+7.79%8.39%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60%Owner occupied · P&I2 yrs fixed≤60% LVR · $20,000+6.24%6.41%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 60% to 70%Owner occupied · P&I2 yrs fixed60–70% LVR · $20,000+6.24%6.45%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 70% to 80%Owner occupied · P&I2 yrs fixed70–80% LVR · $20,000+6.24%6.45%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90%Owner occupied · P&I2 yrs fixed80–90% LVR · $20,000+6.59%6.72%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 90% to 95%Owner occupied · P&I2 yrs fixed90–95% LVR · $20,000+7.19%8.22%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100%Owner occupied · P&I2 yrs fixed95–100% LVR · $20,000+7.19%8.22%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60%Owner occupied · P&I3 yrs fixed≤60% LVR · $20,000+6.29%6.44%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70%Owner occupied · P&I3 yrs fixed60–70% LVR · $20,000+6.29%6.47%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 70% to 80%Owner occupied · P&I3 yrs fixed70–80% LVR · $20,000+6.29%6.47%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90%Owner occupied · P&I3 yrs fixed80–90% LVR · $20,000+6.54%6.72%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95%Owner occupied · P&I3 yrs fixed90–95% LVR · $20,000+7.19%8.14%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100%Owner occupied · P&I3 yrs fixed95–100% LVR · $20,000+7.19%8.14%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60%Owner occupied · P&I4 yrs fixed≤60% LVR · $20,000+6.89%6.67%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70%Owner occupied · P&I4 yrs fixed60–70% LVR · $20,000+6.89%6.70%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80%Owner occupied · P&I4 yrs fixed70–80% LVR · $20,000+6.89%6.70%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90%Owner occupied · P&I4 yrs fixed80–90% LVR · $20,000+7.14%6.95%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95%Owner occupied · P&I4 yrs fixed90–95% LVR · $20,000+7.64%8.23%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100%Owner occupied · P&I4 yrs fixed95–100% LVR · $20,000+7.64%8.23%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60%Owner occupied · P&I5 yrs fixed≤60% LVR · $20,000+6.89%6.73%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70%Owner occupied · P&I5 yrs fixed60–70% LVR · $20,000+6.89%6.76%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80%Owner occupied · P&I5 yrs fixed70–80% LVR · $20,000+6.89%6.76%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90%Owner occupied · P&I5 yrs fixed80–90% LVR · $20,000+7.14%7.01%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95%Owner occupied · P&I5 yrs fixed90–95% LVR · $20,000+7.79%8.26%—
FixedFIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 95% to 100%Owner occupied · P&I5 yrs fixed95–100% LVR · $20,000+7.79%8.26%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400kInvestment · Interest only—≤60% LVR · $150,000–$399,9996.39%6.60%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700kInvestment · Interest only—≤60% LVR · $400,000–$699,9996.39%6.60%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150kInvestment · Interest only—≤60% LVR · $50,000–$149,9999.01%9.05%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700kInvestment · Interest only—≤60% LVR · $700,000+6.39%6.60%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400kInvestment · Interest only—60–70% LVR · $150,000–$399,9996.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700kInvestment · Interest only—60–70% LVR · $400,000–$699,9996.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150kInvestment · Interest only—60–70% LVR · $50,000–$149,9999.01%9.05%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700kInvestment · Interest only—60–70% LVR · $700,000+6.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400kInvestment · Interest only—70–80% LVR · $150,000–$399,9996.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700kInvestment · Interest only—70–80% LVR · $400,000–$699,9996.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150kInvestment · Interest only—70–80% LVR · $50,000–$149,9999.01%9.05%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700kInvestment · Interest only—70–80% LVR · $700,000+6.44%6.65%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400kInvestment · Interest only—80–90% LVR · $150,000–$399,9996.79%6.94%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700kInvestment · Interest only—80–90% LVR · $400,000–$699,9996.79%6.94%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150kInvestment · Interest only—80–90% LVR · $50,000–$149,9999.21%9.15%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700kInvestment · Interest only—80–90% LVR · $700,000+6.79%6.94%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400kInvestment · Interest only—90–95% LVR · $150,000–$399,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700kInvestment · Interest only—90–95% LVR · $400,000–$699,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150kInvestment · Interest only—90–95% LVR · $50,000–$149,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700kInvestment · Interest only—90–95% LVR · $700,000+8.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400kInvestment · Interest only—95–100% LVR · $150,000–$399,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700kInvestment · Interest only—95–100% LVR · $400,000–$699,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150kInvestment · Interest only—95–100% LVR · $50,000–$149,9998.59%9.30%—
VariableVARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700kInvestment · Interest only—95–100% LVR · $700,000+8.59%9.30%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400kInvestment · P&I—≤60% LVR · $150,000–$399,9996.29%6.58%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700kInvestment · P&I—≤60% LVR · $400,000–$699,9996.29%6.58%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150kInvestment · P&I—≤60% LVR · $50,000–$149,9998.61%8.88%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$700kInvestment · P&I—≤60% LVR · $700,000+6.29%6.58%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400kInvestment · P&I—60–70% LVR · $150,000–$399,9996.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700kInvestment · P&I—60–70% LVR · $400,000–$699,9996.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150kInvestment · P&I—60–70% LVR · $50,000–$149,9998.61%8.88%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$700kInvestment · P&I—60–70% LVR · $700,000+6.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400kInvestment · P&I—70–80% LVR · $150,000–$399,9996.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700kInvestment · P&I—70–80% LVR · $400,000–$699,9996.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150kInvestment · P&I—70–80% LVR · $50,000–$149,9998.61%8.88%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$700kInvestment · P&I—70–80% LVR · $700,000+6.34%6.63%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400kInvestment · P&I—80–90% LVR · $150,000–$399,9996.59%6.87%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700kInvestment · P&I—80–90% LVR · $400,000–$699,9996.59%6.87%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150kInvestment · P&I—80–90% LVR · $50,000–$149,9998.61%8.88%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$700kInvestment · P&I—80–90% LVR · $700,000+6.59%6.87%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400kInvestment · P&I—90–95% LVR · $150,000–$399,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700kInvestment · P&I—90–95% LVR · $400,000–$699,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150kInvestment · P&I—90–95% LVR · $50,000–$149,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$700kInvestment · P&I—90–95% LVR · $700,000+9.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400kInvestment · P&I—95–100% LVR · $150,000–$399,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700kInvestment · P&I—95–100% LVR · $400,000–$699,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150kInvestment · P&I—95–100% LVR · $50,000–$149,9999.47%9.73%—
VariableVARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$700kInvestment · P&I—95–100% LVR · $700,000+9.47%9.73%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400kOwner occupied · Interest only—≤60% LVR · $150,000–$399,9997.87%7.14%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700kOwner occupied · Interest only—≤60% LVR · $400,000–$699,9997.87%7.14%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150kOwner occupied · Interest only—≤60% LVR · $50,000–$149,9998.96%8.90%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700kOwner occupied · Interest only—≤60% LVR · $700,000+7.87%7.14%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400kOwner occupied · Interest only—60–70% LVR · $150,000–$399,9997.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700kOwner occupied · Interest only—60–70% LVR · $400,000–$699,9997.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150kOwner occupied · Interest only—60–70% LVR · $50,000–$149,9998.96%8.97%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700kOwner occupied · Interest only—60–70% LVR · $700,000+7.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400kOwner occupied · Interest only—70–80% LVR · $150,000–$399,9997.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700kOwner occupied · Interest only—70–80% LVR · $400,000–$699,9997.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150kOwner occupied · Interest only—70–80% LVR · $50,000–$149,9998.96%8.97%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700kOwner occupied · Interest only—70–80% LVR · $700,000+7.87%7.17%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400kOwner occupied · Interest only—80–90% LVR · $150,000–$399,9998.79%7.74%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700kOwner occupied · Interest only—80–90% LVR · $400,000–$699,9998.79%7.74%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150kOwner occupied · Interest only—80–90% LVR · $50,000–$149,9998.79%8.81%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700kOwner occupied · Interest only—80–90% LVR · $700,000+8.79%7.74%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400kOwner occupied · Interest only—90–95% LVR · $150,000–$399,9998.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700kOwner occupied · Interest only—90–95% LVR · $400,000–$699,9998.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150kOwner occupied · Interest only—90–95% LVR · $50,000–$149,9998.79%9.00%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700kOwner occupied · Interest only—90–95% LVR · $700,000+8.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400kOwner occupied · Interest only—95–100% LVR · $150,000–$399,9998.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700kOwner occupied · Interest only—95–100% LVR · $400,000–$699,9998.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150kOwner occupied · Interest only—95–100% LVR · $50,000–$149,9998.79%9.00%—
VariableVARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700kOwner occupied · Interest only—95–100% LVR · $700,000+8.79%8.71%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400kOwner occupied · P&I—≤60% LVR · $150,000–$399,9996.09%6.38%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700kOwner occupied · P&I—≤60% LVR · $400,000–$699,9996.09%6.38%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150kOwner occupied · P&I—≤60% LVR · $50,000–$149,9998.38%8.65%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$700kOwner occupied · P&I—≤60% LVR · $700,000+6.09%6.38%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400kOwner occupied · P&I—60–70% LVR · $150,000–$399,9996.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700kOwner occupied · P&I—60–70% LVR · $400,000–$699,9996.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150kOwner occupied · P&I—60–70% LVR · $50,000–$149,9998.50%8.77%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$700kOwner occupied · P&I—60–70% LVR · $700,000+6.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400kOwner occupied · P&I—70–80% LVR · $150,000–$399,9996.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700kOwner occupied · P&I—70–80% LVR · $400,000–$699,9996.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150kOwner occupied · P&I—70–80% LVR · $50,000–$149,9998.50%8.77%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$700kOwner occupied · P&I—70–80% LVR · $700,000+6.14%6.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400kOwner occupied · P&I—80–90% LVR · $150,000–$399,9996.39%6.68%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700kOwner occupied · P&I—80–90% LVR · $400,000–$699,9996.39%6.68%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150kOwner occupied · P&I—80–90% LVR · $50,000–$149,9998.36%8.63%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$700kOwner occupied · P&I—80–90% LVR · $700,000+6.39%6.68%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400kOwner occupied · P&I—90–95% LVR · $150,000–$399,9998.16%8.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700kOwner occupied · P&I—90–95% LVR · $400,000–$699,9998.16%8.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150kOwner occupied · P&I—90–95% LVR · $50,000–$149,9998.71%8.98%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$700kOwner occupied · P&I—90–95% LVR · $700,000+8.16%8.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400kOwner occupied · P&I—95–100% LVR · $150,000–$399,9998.16%8.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700kOwner occupied · P&I—95–100% LVR · $400,000–$699,9998.16%8.43%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150kOwner occupied · P&I—95–100% LVR · $50,000–$149,9998.71%8.98%—
VariableVARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$700kOwner occupied · P&I—95–100% LVR · $700,000+8.16%8.43%—
§ 02 — Fees · 16
FeeTypeAmountWhenNotes
Legal Review Fees - StandardEvent$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:…
Mortgage Sale FeeEvent$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—The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property
Valuation Fee (for post-settlement variations)Event$300—At cost for valuations costs in excess of $300
Vouchers and other records for searching - General searchEvent$60—each hour (minimum $30) General search of records
Vouchers and other records for searching - Privacy ActEvent$66—each hour (GST inclusive) Privacy Act - access request
Security Release FeeExit$350—Payable when we agree (at your request) to discharge a security.
Late Payment FeeLate payment$301 days after dueFee 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.
Annual FeePeriodic$295Every 1 yr—
Paper Statement FeePeriodic$4Every 6 mo$4 every 6 months & for copies / interim statements
Application FeeUpfrontNo fee—Payable for processing application of your loans. Charged at settlement
Rate Lock FeeUpfront$750—Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
Settlement FeeUpfront$150—Payable for completing settlement of your loans
Substitution of Security FeeVariation$300—Payable if we agree to substitute one security for another security
Top up FeeVariationNo fee—Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase
Variation FeeVariationNo fee—Charged for any variations made to the loan that need documentation
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital bankingVirgin Reward Points
  • · Interest Only and P&I repayment options
  • · Split home loans
  • · Customers to pay annual fee. No loan application fee, post settlement top up fee and any loan variation fee
  • · Ability to Rate Lock
  • · Fixed and Variable interest rates
  • · Up to 90% LVR (excluding LMI) for IO loans
  • · Up to 95% LVR (including LMI) for P&I loans
  • · Weekly, Fortnightly repayment frequencies for P&I loans. Monthly repayment frequency only for IO loans
§ 04 — Eligibility & limits
  • · Minimum age 18
  • · Residency: Resident or Citizen
  • · Available to individuals
  • · Maximum LVR 100%
  • · 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).
  • · Looking to purchase a home or have an existing home loan with a residential property in Australia.
§ 05 — Compare
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§ 06 — Run the numbers

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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.