{
  "source": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "5bc12280-2272-ee11-8179-6045bd3d38f0",
    "effectiveFrom": "2025-05-28T22:00:00Z",
    "lastUpdated": "2026-06-07T22:09:01Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Virgin Money Lite Home Loan",
    "description": "Virgin Money Lite Home Loan",
    "brand": "VMA",
    "brandName": "Virgin Money Australia",
    "applicationUri": "https://virginmoney.com.au/home-loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://virginmoney.com.au/home-loans",
      "termsUri": "https://virginmoney.com.au/home-loans",
      "eligibilityUri": "https://virginmoney.com.au/home-loans",
      "feesAndPricingUri": "https://virginmoney.com.au/home-loans"
    },
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional payments for variable loans and up to $10k additional repayments for Fixed home loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split home loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Only and P&I repayment options"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "A digital experience through a mobile app"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw of repaid principal above minimum required is available on variable rate loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 95% LVR (including LMI) for P&I loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, Fortnightly frequencies for all P&I loans. Monthly repayment frequency only for IO loans."
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Virgin Reward Points",
        "additionalInfo": "Ongoing monthly points"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 90% LVR (excluding LMI) for IO loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to Rate Lock"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fixed and Variable interest rates"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.0000000000",
        "additionalInfo": "Minimum LVR",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "1.0000000000",
        "additionalInfo": "Maximum LVR",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen",
        "additionalInfo": "Be an Australian citizen or permanent resident or resident for tax purposes with an Australian residential address."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Be applying in personal name(s) with acceptable credit history – not as a company or a trust."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Be aged 18 years or older."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Looking to purchase a home or have an existing home loan with a residential property in Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Cross-Collateralisation is not supported. We can only accept single security applications."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Earn a regular PAYG income (for example self-employed applicants are excluded and cannot earn a foreign income for tax purposes)."
      }
    ],
    "fees": [
      {
        "name": "Valuation Fee (for post-settlement variations)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "At cost for valuations costs in excess of $300"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.0000"
        },
        "currency": "AUD",
        "additionalValue": "P6M",
        "additionalInfo": "$4 every 6 months & for copies / interim statements"
      },
      {
        "name": "Valuation Fee (for new applications)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "At cost for valuations costs in excess of $300"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for completing settlement of your loans"
      },
      {
        "name": "Vouchers and other records for searching - Privacy Act",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "66.0000"
        },
        "currency": "AUD",
        "additionalInfo": "each hour (GST inclusive) Privacy Act - access request"
      },
      {
        "name": "Top up Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase"
      },
      {
        "name": "Security Release Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we agree (at your request) to discharge a security."
      },
      {
        "name": "Mortgagee Sale Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.0000"
        },
        "currency": "AUD",
        "additionalInfo": "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)."
      },
      {
        "name": "Vouchers and other records for searching - General search",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.0000"
        },
        "currency": "AUD",
        "additionalInfo": "each hour (minimum $30) General search of records"
      },
      {
        "name": "Legal Review Fees - Standard",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.0000"
        },
        "currency": "AUD",
        "additionalInfo": "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: - review of a consent document, power of attorney or a caveat; or - amendment or preparation of a consent document, deed of covenant, confidentiality agreement,cross guarantee and indemnity, deed of subordination, fixed charge or a deed of priority."
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "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."
      },
      {
        "name": "Substitution of Security Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we agree to substitute one security for another security"
      },
      {
        "name": "Rate Lock Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "750.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period."
      },
      {
        "name": "Variation Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for any variations made to the loan that need documentation"
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for processing application of your loans. Charged at settlement",
        "additionalInfoUri": "https://virginmoney.com.au/content/dam/virginmoney/vma-downloads/home-loans/lending-guide-to-fees-and-charges.pdf?cid=HL-58-1"
      }
    ],
    "lendingRates": [
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        "rate": "0.0719000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "additionalInfo": "FIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0652000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0669000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        ],
        "lendingRateType": "VARIABLE",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
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        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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            "maximumValue": "0.6",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "tiers": [
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            "unitOfMeasure": "DOLLAR",
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            "unitOfMeasure": "PERCENT",
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
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        "additionalInfo": "FIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
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            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0615000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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        "rate": "0.0719000000000000",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0644000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0679000000000000",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0609000000000000",
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        "repaymentType": "INTEREST_ONLY",
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
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        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
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        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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        "rate": "0.0719000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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        ],
        "lendingRateType": "FIXED",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
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        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          {
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        ],
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        "additionalValue": "P48M",
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          {
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          {
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        ],
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          {
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        ],
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        ],
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            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
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            "unitOfMeasure": "PERCENT",
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          {
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        ],
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          {
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            "unitOfMeasure": "PERCENT",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
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            "unitOfMeasure": "PERCENT",
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          {
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        ],
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          {
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            "unitOfMeasure": "PERCENT",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "lendingRateType": "FIXED",
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            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0641000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0626000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0679000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0644000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0784000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0817000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0842000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0699000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0869000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0740000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0744000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0775000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0709000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0748000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0764000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0774000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0842000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0699000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0684000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0650000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0709000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0598000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0739000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0771000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0760000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0759000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0816000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0649000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0592000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0779000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0654000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0656000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0665000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0829000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0831000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0807000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0584000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0586000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0849000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0840000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0719000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0643000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0749000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0822000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0709000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0748000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0719000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0643000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0709000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0598000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0749000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "rate": "0.0779000000000000",
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        "lendingRateType": "FIXED",
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        "applicationType": "PERIODIC",
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        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
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        "rate": "0.0755000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0624000000000000",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0626000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0845000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0847000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0632000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0774000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        ],
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        "applicationType": "PERIODIC",
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        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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      {
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
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        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0667000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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      {
        "rate": "0.0680000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0665000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0661000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0774000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0806000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0644000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0634000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0626000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0607000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0626000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
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      {
        "rate": "0.0694000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
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            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "lendingRateType": "FIXED",
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        "applicationType": "PERIODIC",
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          {
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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        ],
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        "applicationType": "PERIODIC",
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        "tiers": [
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        ],
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      {
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        "applicationType": "PERIODIC",
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        "tiers": [
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            "unitOfMeasure": "DOLLAR",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "lendingRateType": "VARIABLE",
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        "applicationType": "PERIODIC",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        "rate": "0.0689000000000000",
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        "applicationType": "PERIODIC",
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        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
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        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0632000000000000",
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      {
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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        ],
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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        ],
        "lendingRateType": "FIXED",
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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        ],
        "lendingRateType": "VARIABLE",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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        ],
        "lendingRateType": "VARIABLE",
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        "loanPurpose": "OWNER_OCCUPIED"
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      {
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        "applicationType": "PERIODIC",
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        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
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          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
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        ],
        "lendingRateType": "VARIABLE",
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        "rate": "0.0774000000000000",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
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          {
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        ],
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        "applicationType": "PERIODIC",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
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        "rate": "0.0779000000000000",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "DOLLAR",
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        ],
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        "loanPurpose": "OWNER_OCCUPIED"
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        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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          {
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        "lendingRateType": "FIXED",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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          {
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          {
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        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          {
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        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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        "tiers": [
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
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            "unitOfMeasure": "PERCENT",
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          {
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        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0604000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0760000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0746000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0607000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0606000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0644000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0597000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0665000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0639000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0632000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0749000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0770000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0849000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0840000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0679000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0652000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0842000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0845000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0871000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0873000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0829000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0831000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0869000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0872000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0779000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0649000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0640000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0825000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0744000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0869000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0820000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0764000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0774000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0606000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0784000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0817000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0744000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0679000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P24M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0645000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0649000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0592000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0825000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0845000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0847000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0842000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0845000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0811000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0719000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0643000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0624000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0634000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0636000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0869000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0872000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0672000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0754000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0808000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0829000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0831000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0729000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0691000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0714000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0665000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0649000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0592000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0709000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P12M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0598000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0624000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0714000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0671000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0624000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0829000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9501",
            "maximumValue": "1",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0831000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0779000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0807000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0699000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P60M",
        "additionalInfo": "FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0663000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0664000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0754000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P36M",
        "additionalInfo": "FIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0808000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0845000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0847000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0729000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P48M",
        "additionalInfo": "FIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%",
        "additionalInfoUri": "https://virginmoney.com.au/home-loans",
        "tiers": [
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "additionalInfoUri": "https://virginmoney.com.au/home-loans",
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0686000000000000",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      }
    ]
  }
}