---
title: "Virgin Money Lite Home Loan — Virgin Money"
description: "Home Loans from Virgin Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/virgin-money/products/5bc12280-2272-ee11-8179-6045bd3d38f0
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-21T22:29:12Z
---

# Virgin Money Lite Home Loan — Virgin Money

> Home Loans from Virgin Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Virgin Money Australia**

Virgin Money Lite Home Loan

## At a glance

- **From (owner occupied):** 5.84% (5.86% comparison)

## Apply

Applications are handled by the provider: [Apply at Virgin Money](https://virginmoney.com.au/home-loans)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k) | 5.84% | 5.86% | LVR ≤60%; Balance $150,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k) | 5.84% | 5.86% | Balance $150,000+; LVR 60.01–70% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k) | 5.84% | 5.86% | Balance $150,000+; LVR 70.01–80% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 60% to 70%) | 6.24% | 5.93% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60%) | 6.24% | 5.93% | Balance $20,000+; LVR ≤60% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 70% to 80%) | 6.24% | 5.93% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60%) | 6.29% | 5.98% | LVR ≤60%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70%) | 6.29% | 5.98% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 70% to 80%) | 6.29% | 5.98% | LVR 70.01–80%; Balance $20,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k) | 6.34% | 6.36% | LVR 80.01–90%; Balance $150,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80%) | 6.49% | 5.92% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70%) | 6.49% | 5.92% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60%) | 6.49% | 5.92% | LVR ≤60%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90%) | 6.54% | 6.41% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90%) | 6.59% | 6.41% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90%) | 6.84% | 6.41% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70%) | 6.89% | 6.32% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80%) | 6.89% | 6.32% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60%) | 6.89% | 6.32% | Balance $20,000+; LVR ≤60% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80%) | 6.89% | 6.24% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60%) | 6.89% | 6.24% | Balance $20,000+; LVR ≤60% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70%) | 6.89% | 6.24% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90%) | 7.14% | 6.65% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90%) | 7.14% | 6.71% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95%) | 7.19% | 7.61% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100%) | 7.19% | 7.66% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100%) | 7.19% | 7.61% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 90% to 95%) | 7.19% | 7.66% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100%) | 7.64% | 7.74% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95%) | 7.64% | 7.74% | Balance $20,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k) | 7.77% | 7.79% | LVR 95.01–100%; Balance $150,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k) | 7.77% | 7.79% | LVR 90.01–95%; Balance $150,000+ |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95%) | 7.79% | 7.79% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 95% to 100%) | 7.79% | 7.79% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 95% to 100%) | 7.79% | 7.79% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95%) | 7.79% | 7.79% | Balance $20,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k) | 8.45% | 8.47% | Balance $20,000–$149,999; LVR ≤60% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k) | 8.45% | 8.47% | Balance $20,000–$149,999; LVR 60.01–70% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k) | 8.45% | 8.47% | Balance $20,000–$149,999; LVR 70.01–80% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k) | 8.71% | 8.73% | Balance $20,000–$149,999; LVR 90.01–95% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k) | 8.71% | 8.73% | Balance $20,000–$149,999; LVR 95.01–100% |
| Variable (VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k) | 8.71% | 8.73% | LVR 80.01–90%; Balance $20,000–$149,999 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%) | 6.49% | 6.4% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%) | 6.59% | 6.06% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%) | 6.59% | 6.06% | LVR ≤60%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%) | 6.59% | 7.44% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%) | 6.59% | 6.06% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%) | 6.59% | 7.44% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%) | 6.79% | 6.44% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%) | 6.79% | 6.04% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%) | 6.79% | 6.04% | LVR ≤60%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%) | 6.79% | 6.04% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%) | 6.79% | 6.52% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%) | 6.89% | 7.6% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%) | 6.89% | 7.46% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 2 years (FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%) | 6.89% | 7.6% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%) | 6.89% | 7.46% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%) | 6.99% | 6.26% | LVR ≤60%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%) | 6.99% | 6.26% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 4 years (FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%) | 6.99% | 6.26% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%) | 6.99% | 6.63% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%) | 7.09% | 7.48% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%) | 7.09% | 5.98% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%) | 7.09% | 7.48% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%) | 7.09% | 5.98% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%) | 7.09% | 5.98% | Balance $20,000+; LVR ≤60% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%) | 7.19% | 6.43% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%) | 7.19% | 6.43% | Balance $20,000+; LVR ≤60% |
| Fixed · 5 years (FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%) | 7.19% | 6.43% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%) | 7.34% | 6.46% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%) | 7.44% | 7.75% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 1 year (FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%) | 7.44% | 7.75% | LVR 95.01–100%; Balance $20,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k) | 8.42% | 6.99% | Balance $150,000+; LVR 60.01–70% |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k) | 8.42% | 6.99% | LVR ≤60%; Balance $150,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k) | 8.42% | 6.99% | Balance $150,000+; LVR 70.01–80% |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k) | 8.42% | 8.45% | LVR 60.01–70%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k) | 8.42% | 8.45% | LVR ≤60%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k) | 8.42% | 8.45% | LVR 70.01–80%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k) | 8.69% | 7.4% | LVR 80.01–90%; Balance $150,000+ |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k) | 8.69% | 8.72% | Balance $20,000–$149,999; LVR 90.01–95% |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k) | 8.69% | 8.2% | Balance $150,000+; LVR 95.01–100% |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k) | 8.69% | 8.72% | LVR 80.01–90%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k) | 8.69% | 8.2% | Balance $150,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k) | 8.69% | 8.72% | LVR 95.01–100%; Balance $20,000–$149,999 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k) | 5.99% | 6.01% | Balance $150,000+; LVR 60.01–70% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k) | 5.99% | 6.01% | LVR ≤60%; Balance $150,000+ |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k) | 5.99% | 6.01% | LVR 70.01–80%; Balance $150,000+ |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k) | 6.24% | 6.26% | Balance $20,000–$149,999; LVR 60.01–70% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k) | 6.24% | 6.26% | Balance $20,000–$149,999; LVR 70.01–80% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k) | 6.24% | 6.26% | Balance $20,000–$149,999; LVR ≤60% |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%) | 6.39% | 6.08% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%) | 6.39% | 6.08% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%) | 6.39% | 6.08% | LVR ≤60%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%) | 6.44% | 6.13% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%) | 6.44% | 6.13% | LVR ≤60%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%) | 6.44% | 6.13% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%) | 6.54% | 6.59% | Balance $20,000+; LVR 80.01–90% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k) | 6.54% | 6.56% | LVR 80.01–90%; Balance $20,000–$149,999 |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%) | 6.59% | 6.61% | Balance $20,000+; LVR 80.01–90% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k) | 6.59% | 6.61% | LVR 80.01–90%; Balance $150,000+ |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%) | 6.69% | 6.08% | Balance $20,000+; LVR ≤60% |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%) | 6.69% | 6.08% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%) | 6.69% | 6.08% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%) | 6.99% | 6.65% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%) | 7.09% | 6.49% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%) | 7.09% | 6.41% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%) | 7.09% | 6.49% | Balance $20,000+; LVR ≤60% |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%) | 7.09% | 6.49% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%) | 7.09% | 6.41% | Balance $20,000+; LVR ≤60% |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%) | 7.09% | 6.41% | LVR 60.01–70%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%) | 7.19% | 7.97% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 3 years (FIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%) | 7.19% | 7.97% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%) | 7.19% | 6.83% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%) | 7.19% | 6.87% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%) | 7.34% | 8.1% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%) | 7.34% | 8.1% | Balance $20,000+; LVR 95.01–100% |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%) | 7.49% | 8.22% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 1 year (FIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%) | 7.49% | 8.22% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%) | 7.79% | 8.07% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%) | 7.79% | 8.11% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%) | 7.79% | 8.11% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%) | 7.79% | 8.07% | Balance $20,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k) | 8.29% | 8.31% | LVR 90.01–95%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k) | 8.29% | 8.31% | Balance $150,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k) | 8.29% | 8.31% | LVR 95.01–100%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k) | 8.29% | 8.31% | LVR 95.01–100%; Balance $150,000+ |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%) | 6.39% | 6.08% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%) | 6.39% | 6.08% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%) | 6.39% | 6.08% | LVR ≤60%; Balance $20,000+ |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k) | 6.39% | 6.17% | LVR ≤60%; Balance $150,000+ |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k) | 6.39% | 6.17% | Balance $150,000+; LVR 60.01–70% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k) | 6.39% | 6.32% | LVR 60.01–70%; Balance $20,000–$149,999 |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k) | 6.39% | 6.32% | Balance $20,000–$149,999; LVR ≤60% |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%) | 6.44% | 6.13% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%) | 6.44% | 6.13% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%) | 6.44% | 6.13% | Balance $20,000+; LVR ≤60% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k) | 6.44% | 6.2% | Balance $150,000+; LVR 70.01–80% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k) | 6.44% | 6.34% | Balance $20,000–$149,999; LVR 70.01–80% |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%) | 6.54% | 6.59% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%) | 6.59% | 6.61% | Balance $20,000+; LVR 80.01–90% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k) | 6.74% | 6.67% | LVR 80.01–90%; Balance $150,000+ |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k) | 6.74% | 6.64% | Balance $20,000–$149,999; LVR 80.01–90% |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%) | 6.79% | 6.09% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%) | 6.79% | 6.09% | LVR ≤60%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%) | 6.79% | 6.09% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%) | 6.99% | 6.65% | LVR 80.01–90%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%) | 7.19% | 6.52% | LVR 70.01–80%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%) | 7.19% | 6.52% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%) | 7.19% | 6.44% | LVR ≤60%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%) | 7.19% | 6.44% | Balance $20,000+; LVR 60.01–70% |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%) | 7.19% | 6.44% | Balance $20,000+; LVR 70.01–80% |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%) | 7.19% | 6.52% | LVR ≤60%; Balance $20,000+ |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%) | 7.24% | 8.08% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 2 years (FIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%) | 7.24% | 8.08% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%) | 7.29% | 6.91% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%) | 7.29% | 6.86% | Balance $20,000+; LVR 80.01–90% |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%) | 7.39% | 8.04% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 3 years (FIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%) | 7.39% | 8.04% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%) | 7.74% | 8.1% | Balance $20,000+; LVR 90.01–95% |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%) | 7.74% | 8.06% | LVR 90.01–95%; Balance $20,000+ |
| Fixed · 5 years (FIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%) | 7.74% | 8.06% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 4 years (FIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%) | 7.74% | 8.1% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%) | 7.79% | 8.25% | LVR 95.01–100%; Balance $20,000+ |
| Fixed · 1 year (FIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%) | 7.79% | 8.25% | LVR 90.01–95%; Balance $20,000+ |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k) | 8.49% | 8.4% | Balance $150,000+; LVR 95.01–100% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k) | 8.49% | 8.4% | Balance $20,000–$149,999; LVR 95.01–100% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k) | 8.49% | 8.4% | Balance $150,000+; LVR 90.01–95% |
| Variable (VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k) | 8.49% | 8.4% | LVR 90.01–95%; Balance $20,000–$149,999 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Valuation Fee (for post-settlement variations) — At cost for valuations costs in excess of $300 | Event | $300.00 |
| Paper Statement Fee — Charged every 6 months · $4 every 6 months & for copies / interim statements | Ongoing | $4.00 |
| Valuation Fee (for new applications) — At cost for valuations costs in excess of $300 | Event | $300.00 |
| Settlement Fee — Payable for completing settlement of your loans | Upfront | $150.00 |
| Vouchers and other records for searching - Privacy Act — each hour (GST inclusive) Privacy Act - access request | Event | $66.00 |
| Top up Fee — Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase | Variation | $150.00 |
| Security Release Fee — Payable when we agree (at your request) to discharge a security. | Exit | $350.00 |
| Mortgagee Sale Fee — Charged for each property we hold as security for a loan facility where the lender commences mortgagee sale procedures (whether or not a sale is completed). | Event | $400.00 |
| Vouchers and other records for searching - General search — each hour (minimum $30) General search of records | Event | $60.00 |
| Legal Review Fees - Standard — Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a standard document. A standard document may include but is not limited to: - 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. | Event | $350.00 |
| Late Payment Fee — 1 · 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. | Late payment | $30.00 |
| Substitution of Security Fee — Payable if we agree to substitute one security for another security | Variation | $300.00 |
| Rate Lock Fee — Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period. | Upfront | $750.00 |
| Variation Fee — Charged for any variations made to the loan that need documentation | Variation | $300.00 |
| Application Fee — Payable for processing application of your loans. Charged at settlement | Upfront | $0.00 |

## Features

- **Extra repayments** (Unlimited additional payments for variable loans and up to $10k additional repayments for Fixed home loans)
- **Split home loans**
- **Interest Only and P&I repayment options**
- **Digital banking** (A digital experience through a mobile app)
- **Redraw facility** (Redraw of repaid principal above minimum required is available on variable rate loans)
- **Up to 95% LVR (including LMI) for P&I loans**
- **Weekly, Fortnightly frequencies for all P&I loans. Monthly repayment frequency only for IO loans.**
- **Loyalty program** — Virgin Reward Points (Ongoing monthly points)
- **Up to 90% LVR (excluding LMI) for IO loans**
- **Ability to Rate Lock**
- **Fixed and Variable interest rates**

## Eligibility

- **Residency status** — Resident or Citizen (Be an Australian citizen or permanent resident or resident for tax purposes with an Australian residential address.)
- **Individuals only** (Be applying in personal name(s) with acceptable credit history – not as a company or a trust.)
- **Minimum age** — 18 years (Be aged 18 years or older.)
- **Looking to purchase a home or have an existing home loan with a residential property in Australia.**
- **Cross-Collateralisation is not supported. We can only accept single security applications.**
- **Earn a regular PAYG income (for example self-employed applicants are excluded and cannot earn a foreign income for tax purposes).**

## Constraints

- **Minimum LVR** — 0% (Minimum LVR)
- **Maximum LVR** — 100% (Maximum LVR)

## More information from Virgin Money

- [Overview](https://virginmoney.com.au/home-loans)
- [Terms & conditions](https://virginmoney.com.au/home-loans)
- [Eligibility](https://virginmoney.com.au/home-loans)
- [Fees & pricing](https://virginmoney.com.au/home-loans)

## Data provenance

- Published by Virgin Money under the Consumer Data Right
- Product ID: `5bc12280-2272-ee11-8179-6045bd3d38f0`
- Last updated by the provider: 21 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0
- Provider page: https://www.cdrcompare.au/brands/virgin-money
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000245

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/virgin-money/products/5bc12280-2272-ee11-8179-6045bd3d38f0) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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