Virgin Money Loaded Home Loan

Home LoansVirgin Money AustraliaData Sharing Status

From (owner occupied): 6.09%; 6.38% comparison

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 - less than$400k	6.09%	6.38%	Balance $150,000–$399,999LVR ≤60%
Variable VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k	6.09%	6.38%	LVR ≤60%Balance $400,000–$699,999
Variable VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$700k	6.09%	6.38%	LVR ≤60%Balance $700,000+
Variable VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k	6.14%	6.43%	LVR 70.01–80%Balance $150,000–$399,999

Fees

Fee	Type	Amount
Paper Statement Fee Charged every 6 months · $4 every 6 months & for copies / interim statements	Ongoing	$4.00
Valuation Fee (for post-settlement variations) At cost for valuations costs in excess of $300	Event	$300.00
Valuation Fee (for new applications) The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property	Event	$300.00
Settlement Fee Payable for completing settlement of your loans	Upfront	$150.00
Mortgage 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
Security Release Fee Payable when we agree (at your request) to discharge a security.	Exit	$350.00

Features

Offset account: Go for the title of Flexibility Final Boss and link up to 10 Go Accounts to a variable home loan. All while earning a tidy 8 points for every eligible Go Account transaction. Earning points while paying less interest = win-win. Get more bang for your buck by teaming up your Loaded home loan with a Virgin Money Go Account and offsetting your balance to lower interest you pay over the life of the loan.
Extra repayments: Unlimited additional payments for variable loans and up to $10k additional repayments for Fixed home loans
Digital banking: A digital experience through a mobile app
Interest Only and P&I repayment options
Split home loans
Customers to pay annual fee. No loan application fee, post settlement top up fee and any loan variation fee

Eligibility

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

Constraints

Minimum LVR — 0%Minimum LVR
Maximum LVR — 100%Maximum LVR

More Information

Published by Virgin Money under the Consumer Data Right · Last updated 10 July 2026 · Product ID d52579cd-508e-ee11-be36-000d3a79efd0 · View on CDR.gov.au · View Source Data (JSON)

Type

Rate

Comparison

Applies To

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%

6.49%

6.69%

LVR 80.01–90%Balance $20,000+

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%

6.59%

6.51%

LVR ≤60%Balance $20,000+

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%

6.59%

7.95%

LVR 95.01–100%Balance $20,000+

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%

6.59%

6.54%

LVR 60.01–70%Balance $20,000+

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%

6.59%

7.95%

LVR 90.01–95%Balance $20,000+

Fixed · 3 years

FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%

6.59%

6.54%

Balance $20,000+LVR 70.01–80%

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%

6.79%

6.51%

Balance $20,000+LVR ≤60%

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%

6.79%

6.75%

Balance $20,000+LVR 80.01–90%

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%

6.79%

6.55%

Balance $20,000+LVR 60.01–70%

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%

6.79%

6.8%

LVR 80.01–90%Balance $20,000+

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%

6.79%

6.55%

LVR 70.01–80%Balance $20,000+

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%

6.89%

8.16%

LVR 90.01–95%Balance $20,000+

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%

6.89%

7.94%

LVR 95.01–100%Balance $20,000+

Fixed · 2 years

FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%

6.89%

8.16%

Balance $20,000+LVR 95.01–100%

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%

6.89%

7.94%

Balance $20,000+LVR 90.01–95%

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%

6.99%

6.72%

Balance $20,000+LVR 70.01–80%

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%

6.99%

6.72%

LVR 60.01–70%Balance $20,000+

Fixed · 4 years

FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%

6.99%

6.69%

LVR ≤60%Balance $20,000+

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%

6.99%

6.92%

LVR 80.01–90%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%

7.09%

6.52%

LVR 60.01–70%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%

7.09%

6.48%

LVR ≤60%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%

7.09%

6.52%

LVR 70.01–80%Balance $20,000+

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%

7.09%

7.94%

LVR 95.01–100%Balance $20,000+

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%

7.09%

7.94%

Balance $20,000+LVR 90.01–95%

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%

7.19%

6.86%

Balance $20,000+LVR 70.01–80%

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%

7.19%

6.86%

LVR 60.01–70%Balance $20,000+

Fixed · 5 years

FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%

7.19%

6.84%

LVR ≤60%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%

7.34%

6.77%

LVR 80.01–90%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%

7.44%

8.35%

LVR 95.01–100%Balance $20,000+

Fixed · 1 year

FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%

7.44%

8.35%

LVR 90.01–95%Balance $20,000+

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k

7.87%

7.17%

Balance $400,000–$699,999LVR 70.01–80%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700k

7.87%

7.17%

Balance $700,000+LVR 70.01–80%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k

7.87%

7.14%

LVR ≤60%Balance $400,000–$699,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700k

7.87%

7.17%

LVR 60.01–70%Balance $700,000+

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k

7.87%

7.17%

LVR 70.01–80%Balance $150,000–$399,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700k

7.87%

7.14%

Balance $700,000+LVR ≤60%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k

7.87%

7.17%

Balance $400,000–$699,999LVR 60.01–70%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k

7.87%

7.17%

Balance $150,000–$399,999LVR 60.01–70%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k

7.87%

7.14%

LVR ≤60%Balance $150,000–$399,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k

8.79%

Balance $50,000–$149,999LVR 90.01–95%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k

8.79%

8.71%

Balance $150,000–$399,999LVR 95.01–100%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k

8.79%

8.71%

Balance $150,000–$399,999LVR 90.01–95%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700k

8.79%

7.74%

Balance $700,000+LVR 80.01–90%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700k

8.79%

8.71%

LVR 90.01–95%Balance $700,000+

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k

8.79%

Balance $50,000–$149,999LVR 95.01–100%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k

8.79%

7.74%

Balance $150,000–$399,999LVR 80.01–90%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700k

8.79%

8.71%

LVR 95.01–100%Balance $700,000+

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k

8.79%

8.81%

Balance $50,000–$149,999LVR 80.01–90%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k

8.79%

8.71%

LVR 95.01–100%Balance $400,000–$699,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k

8.79%

7.74%

LVR 80.01–90%Balance $400,000–$699,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k

8.79%

8.71%

Balance $400,000–$699,999LVR 90.01–95%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k

8.96%

8.97%

LVR 70.01–80%Balance $50,000–$149,999

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k

8.96%

8.9%

Balance $50,000–$149,999LVR ≤60%

Variable

VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k

8.96%

8.97%

LVR 60.01–70%Balance $50,000–$149,999

Type

Rate

Comparison

Applies To

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k

6.29%

6.58%

LVR ≤60%Balance $150,000–$399,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$700k

6.29%

6.58%

LVR ≤60%Balance $700,000+

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k

6.29%

6.58%

LVR ≤60%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k

6.34%

6.63%

LVR 70.01–80%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k

6.34%

6.63%

LVR 60.01–70%Balance $150,000–$399,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k

6.34%

6.63%

Balance $150,000–$399,999LVR 70.01–80%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k

6.34%

6.63%

Balance $400,000–$699,999LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$700k

6.34%

6.63%

LVR 60.01–70%Balance $700,000+

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$700k

6.34%

6.63%

Balance $700,000+LVR 70.01–80%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k

6.59%

6.87%

Balance $150,000–$399,999LVR 80.01–90%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k

6.59%

6.87%

LVR 80.01–90%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$700k

6.59%

6.87%

Balance $700,000+LVR 80.01–90%

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%

6.6%

6.68%

Balance $20,000+LVR 60.01–70%

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%

6.6%

6.64%

Balance $20,000+LVR ≤60%

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%

6.6%

6.68%

Balance $20,000+LVR 70.01–80%

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%

6.69%

6.66%

LVR 60.01–70%Balance $20,000+

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%

6.69%

6.66%

Balance $20,000+LVR 70.01–80%

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%

6.69%

6.62%

Balance $20,000+LVR ≤60%

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%

6.79%

6.72%

Balance $20,000+LVR ≤60%

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%

6.79%

6.76%

Balance $20,000+LVR 70.01–80%

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%

6.79%

6.76%

LVR 60.01–70%Balance $20,000+

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%

6.8%

6.92%

LVR 80.01–90%Balance $20,000+

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%

6.89%

6.96%

LVR 80.01–90%Balance $20,000+

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%

6.99%

6.92%

LVR 80.01–90%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%

7.09%

6.9%

LVR 70.01–80%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%

7.09%

6.96%

Balance $20,000+LVR 60.01–70%

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%

7.09%

6.87%

Balance $20,000+LVR ≤60%

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%

7.09%

6.9%

LVR 60.01–70%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%

7.09%

6.96%

Balance $20,000+LVR 70.01–80%

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%

7.09%

6.93%

Balance $20,000+LVR ≤60%

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%

7.19%

7.1%

Balance $20,000+LVR 80.01–90%

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%

7.19%

7.14%

Balance $20,000+LVR 80.01–90%

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%

7.49%

9.5%

Balance $20,000+LVR 95.01–100%

Fixed · 1 year

FIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%

7.49%

9.5%

Balance $20,000+LVR 90.01–95%

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%

7.54%

9.12%

Balance $20,000+LVR 90.01–95%

Fixed · 3 years

FIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%

7.54%

9.12%

Balance $20,000+LVR 95.01–100%

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%

7.55%

9.3%

Balance $20,000+LVR 90.01–95%

Fixed · 2 years

FIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%

7.55%

9.3%

Balance $20,000+LVR 95.01–100%

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%

7.79%

9.06%

LVR 95.01–100%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%

7.79%

9.06%

LVR 90.01–95%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%

7.79%

8.94%

LVR 95.01–100%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%

7.79%

8.94%

LVR 90.01–95%Balance $20,000+

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k

8.61%

8.88%

LVR 70.01–80%Balance $50,000–$149,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k

8.61%

8.88%

Balance $50,000–$149,999LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k

8.61%

8.88%

LVR 80.01–90%Balance $50,000–$149,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k

8.61%

8.88%

LVR ≤60%Balance $50,000–$149,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k

9.47%

9.73%

Balance $50,000–$149,999LVR 95.01–100%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k

9.47%

9.73%

Balance $400,000–$699,999LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k

9.47%

9.73%

Balance $150,000–$399,999LVR 95.01–100%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$700k

9.47%

9.73%

Balance $700,000+LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k

9.47%

9.73%

LVR 95.01–100%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k

9.47%

9.73%

Balance $50,000–$149,999LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k

9.47%

9.73%

LVR 90.01–95%Balance $150,000–$399,999

Variable

VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$700k

9.47%

9.73%

LVR 95.01–100%Balance $700,000+

Type

Rate

Comparison

Applies To

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k

6.39%

6.6%

LVR ≤60%Balance $150,000–$399,999

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700k

6.39%

6.6%

Balance $700,000+LVR ≤60%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k

6.39%

6.6%

LVR ≤60%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k

6.44%

6.65%

Balance $400,000–$699,999LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700k

6.44%

6.65%

LVR 60.01–70%Balance $700,000+

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k

6.44%

6.65%

Balance $150,000–$399,999LVR 70.01–80%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k

6.44%

6.65%

Balance $150,000–$399,999LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700k

6.44%

6.65%

LVR 70.01–80%Balance $700,000+

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k

6.44%

6.65%

Balance $400,000–$699,999LVR 70.01–80%

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%

6.74%

6.7%

LVR 70.01–80%Balance $20,000+

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%

6.74%

6.7%

Balance $20,000+LVR 60.01–70%

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%

6.74%

6.66%

Balance $20,000+LVR ≤60%

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%

6.79%

6.67%

Balance $20,000+LVR 70.01–80%

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%

6.79%

6.62%

Balance $20,000+LVR ≤60%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k

6.79%

6.94%

Balance $400,000–$699,999LVR 80.01–90%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700k

6.79%

6.94%

LVR 80.01–90%Balance $700,000+

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%

6.79%

6.67%

Balance $20,000+LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k

6.79%

6.94%

Balance $150,000–$399,999LVR 80.01–90%

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%

6.89%

6.73%

LVR ≤60%Balance $20,000+

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%

6.89%

6.77%

Balance $20,000+LVR 70.01–80%

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%

6.89%

6.77%

LVR 60.01–70%Balance $20,000+

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%

6.94%

Balance $20,000+LVR 80.01–90%

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%

6.99%

6.98%

Balance $20,000+LVR 80.01–90%

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%

6.99%

6.91%

LVR 80.01–90%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%

7.19%

6.98%

Balance $20,000+LVR 60.01–70%

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%

7.19%

6.92%

LVR 60.01–70%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%

7.19%

6.95%

Balance $20,000+LVR ≤60%

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%

7.19%

6.98%

LVR 70.01–80%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%

7.19%

6.92%

LVR 70.01–80%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%

7.19%

6.89%

Balance $20,000+LVR ≤60%

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%

7.29%

7.11%

Balance $20,000+LVR 80.01–90%

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%

7.29%

7.16%

LVR 80.01–90%Balance $20,000+

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%

7.59%

9.31%

LVR 95.01–100%Balance $20,000+

Fixed · 2 years

FIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%

7.59%

9.31%

Balance $20,000+LVR 90.01–95%

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%

7.74%

8.92%

LVR 95.01–100%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%

7.74%

9.04%

LVR 95.01–100%Balance $20,000+

Fixed · 5 years

FIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%

7.74%

8.92%

LVR 90.01–95%Balance $20,000+

Fixed · 4 years

FIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%

7.74%

9.04%

LVR 90.01–95%Balance $20,000+

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%

7.79%

9.53%

LVR 90.01–95%Balance $20,000+

Fixed · 1 year

FIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%

7.79%

9.53%

Balance $20,000+LVR 95.01–100%

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%

7.84%

9.21%

Balance $20,000+LVR 95.01–100%

Fixed · 3 years

FIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%

7.84%

9.21%

Balance $20,000+LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700k

8.59%

9.3%

Balance $700,000+LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k

8.59%

9.3%

Balance $400,000–$699,999LVR 95.01–100%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k

8.59%

9.3%

LVR 95.01–100%Balance $50,000–$149,999

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700k

8.59%

9.3%

Balance $700,000+LVR 95.01–100%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k

8.59%

9.3%

LVR 90.01–95%Balance $400,000–$699,999

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k

8.59%

9.3%

LVR 95.01–100%Balance $150,000–$399,999

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k

8.59%

9.3%

Balance $50,000–$149,999LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k

8.59%

9.3%

Balance $150,000–$399,999LVR 90.01–95%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k

9.01%

9.05%

Balance $50,000–$149,999LVR 70.01–80%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k

9.01%

9.05%

Balance $50,000–$149,999LVR ≤60%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k

9.01%

9.05%

Balance $50,000–$149,999LVR 60.01–70%

Variable

VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k

9.21%

9.15%

Balance $50,000–$149,999LVR 80.01–90%

Virgin Money Loaded Home Loan

Interest Rates

Owner occupied — Principal & interest

Fees

Features

Eligibility

Constraints

More Information

Owner occupied — Interest only

Investment — Principal & interest

Investment — Interest only

Type	Rate	Comparison	Applies To
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%	6.49%	6.69%	LVR 80.01–90%Balance $20,000+
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%	6.59%	6.51%	LVR ≤60%Balance $20,000+
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%	6.59%	7.95%	LVR 95.01–100%Balance $20,000+
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%	6.59%	6.54%	LVR 60.01–70%Balance $20,000+
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%	6.59%	7.95%	LVR 90.01–95%Balance $20,000+
Fixed · 3 years FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%	6.59%	6.54%	Balance $20,000+LVR 70.01–80%
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%	6.79%	6.51%	Balance $20,000+LVR ≤60%
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%	6.79%	6.75%	Balance $20,000+LVR 80.01–90%
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%	6.79%	6.55%	Balance $20,000+LVR 60.01–70%
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%	6.79%	6.8%	LVR 80.01–90%Balance $20,000+
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%	6.79%	6.55%	LVR 70.01–80%Balance $20,000+
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%	6.89%	8.16%	LVR 90.01–95%Balance $20,000+
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%	6.89%	7.94%	LVR 95.01–100%Balance $20,000+
Fixed · 2 years FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%	6.89%	8.16%	Balance $20,000+LVR 95.01–100%
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%	6.89%	7.94%	Balance $20,000+LVR 90.01–95%
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%	6.99%	6.72%	Balance $20,000+LVR 70.01–80%
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%	6.99%	6.72%	LVR 60.01–70%Balance $20,000+
Fixed · 4 years FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%	6.99%	6.69%	LVR ≤60%Balance $20,000+
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%	6.99%	6.92%	LVR 80.01–90%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%	7.09%	6.52%	LVR 60.01–70%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%	7.09%	6.48%	LVR ≤60%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%	7.09%	6.52%	LVR 70.01–80%Balance $20,000+
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%	7.09%	7.94%	LVR 95.01–100%Balance $20,000+
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%	7.09%	7.94%	Balance $20,000+LVR 90.01–95%
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%	7.19%	6.86%	Balance $20,000+LVR 70.01–80%
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%	7.19%	6.86%	LVR 60.01–70%Balance $20,000+
Fixed · 5 years FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%	7.19%	6.84%	LVR ≤60%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%	7.34%	6.77%	LVR 80.01–90%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%	7.44%	8.35%	LVR 95.01–100%Balance $20,000+
Fixed · 1 year FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%	7.44%	8.35%	LVR 90.01–95%Balance $20,000+
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k	7.87%	7.17%	Balance $400,000–$699,999LVR 70.01–80%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700k	7.87%	7.17%	Balance $700,000+LVR 70.01–80%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k	7.87%	7.14%	LVR ≤60%Balance $400,000–$699,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700k	7.87%	7.17%	LVR 60.01–70%Balance $700,000+
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k	7.87%	7.17%	LVR 70.01–80%Balance $150,000–$399,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700k	7.87%	7.14%	Balance $700,000+LVR ≤60%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k	7.87%	7.17%	Balance $400,000–$699,999LVR 60.01–70%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k	7.87%	7.17%	Balance $150,000–$399,999LVR 60.01–70%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k	7.87%	7.14%	LVR ≤60%Balance $150,000–$399,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k	8.79%	9%	Balance $50,000–$149,999LVR 90.01–95%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k	8.79%	8.71%	Balance $150,000–$399,999LVR 95.01–100%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k	8.79%	8.71%	Balance $150,000–$399,999LVR 90.01–95%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700k	8.79%	7.74%	Balance $700,000+LVR 80.01–90%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700k	8.79%	8.71%	LVR 90.01–95%Balance $700,000+
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k	8.79%	9%	Balance $50,000–$149,999LVR 95.01–100%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k	8.79%	7.74%	Balance $150,000–$399,999LVR 80.01–90%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700k	8.79%	8.71%	LVR 95.01–100%Balance $700,000+
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k	8.79%	8.81%	Balance $50,000–$149,999LVR 80.01–90%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k	8.79%	8.71%	LVR 95.01–100%Balance $400,000–$699,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k	8.79%	7.74%	LVR 80.01–90%Balance $400,000–$699,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k	8.79%	8.71%	Balance $400,000–$699,999LVR 90.01–95%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k	8.96%	8.97%	LVR 70.01–80%Balance $50,000–$149,999
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k	8.96%	8.9%	Balance $50,000–$149,999LVR ≤60%
Variable VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k	8.96%	8.97%	LVR 60.01–70%Balance $50,000–$149,999

Type	Rate	Comparison	Applies To
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k	6.29%	6.58%	LVR ≤60%Balance $150,000–$399,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$700k	6.29%	6.58%	LVR ≤60%Balance $700,000+
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k	6.29%	6.58%	LVR ≤60%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k	6.34%	6.63%	LVR 70.01–80%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k	6.34%	6.63%	LVR 60.01–70%Balance $150,000–$399,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k	6.34%	6.63%	Balance $150,000–$399,999LVR 70.01–80%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k	6.34%	6.63%	Balance $400,000–$699,999LVR 60.01–70%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$700k	6.34%	6.63%	LVR 60.01–70%Balance $700,000+
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$700k	6.34%	6.63%	Balance $700,000+LVR 70.01–80%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k	6.59%	6.87%	Balance $150,000–$399,999LVR 80.01–90%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k	6.59%	6.87%	LVR 80.01–90%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$700k	6.59%	6.87%	Balance $700,000+LVR 80.01–90%
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%	6.6%	6.68%	Balance $20,000+LVR 60.01–70%
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%	6.6%	6.64%	Balance $20,000+LVR ≤60%
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%	6.6%	6.68%	Balance $20,000+LVR 70.01–80%
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%	6.69%	6.66%	LVR 60.01–70%Balance $20,000+
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%	6.69%	6.66%	Balance $20,000+LVR 70.01–80%
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%	6.69%	6.62%	Balance $20,000+LVR ≤60%
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%	6.79%	6.72%	Balance $20,000+LVR ≤60%
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%	6.79%	6.76%	Balance $20,000+LVR 70.01–80%
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%	6.79%	6.76%	LVR 60.01–70%Balance $20,000+
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%	6.8%	6.92%	LVR 80.01–90%Balance $20,000+
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%	6.89%	6.96%	LVR 80.01–90%Balance $20,000+
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%	6.99%	6.92%	LVR 80.01–90%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%	7.09%	6.9%	LVR 70.01–80%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%	7.09%	6.96%	Balance $20,000+LVR 60.01–70%
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%	7.09%	6.87%	Balance $20,000+LVR ≤60%
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%	7.09%	6.9%	LVR 60.01–70%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%	7.09%	6.96%	Balance $20,000+LVR 70.01–80%
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%	7.09%	6.93%	Balance $20,000+LVR ≤60%
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%	7.19%	7.1%	Balance $20,000+LVR 80.01–90%
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%	7.19%	7.14%	Balance $20,000+LVR 80.01–90%
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%	7.49%	9.5%	Balance $20,000+LVR 95.01–100%
Fixed · 1 year FIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%	7.49%	9.5%	Balance $20,000+LVR 90.01–95%
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%	7.54%	9.12%	Balance $20,000+LVR 90.01–95%
Fixed · 3 years FIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%	7.54%	9.12%	Balance $20,000+LVR 95.01–100%
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%	7.55%	9.3%	Balance $20,000+LVR 90.01–95%
Fixed · 2 years FIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%	7.55%	9.3%	Balance $20,000+LVR 95.01–100%
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%	7.79%	9.06%	LVR 95.01–100%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%	7.79%	9.06%	LVR 90.01–95%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%	7.79%	8.94%	LVR 95.01–100%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%	7.79%	8.94%	LVR 90.01–95%Balance $20,000+
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k	8.61%	8.88%	LVR 70.01–80%Balance $50,000–$149,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k	8.61%	8.88%	Balance $50,000–$149,999LVR 60.01–70%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k	8.61%	8.88%	LVR 80.01–90%Balance $50,000–$149,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k	8.61%	8.88%	LVR ≤60%Balance $50,000–$149,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k	9.47%	9.73%	Balance $50,000–$149,999LVR 95.01–100%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k	9.47%	9.73%	Balance $400,000–$699,999LVR 90.01–95%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k	9.47%	9.73%	Balance $150,000–$399,999LVR 95.01–100%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$700k	9.47%	9.73%	Balance $700,000+LVR 90.01–95%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k	9.47%	9.73%	LVR 95.01–100%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k	9.47%	9.73%	Balance $50,000–$149,999LVR 90.01–95%
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k	9.47%	9.73%	LVR 90.01–95%Balance $150,000–$399,999
Variable VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$700k	9.47%	9.73%	LVR 95.01–100%Balance $700,000+

Type	Rate	Comparison	Applies To
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k - less than$400k	6.39%	6.6%	LVR ≤60%Balance $150,000–$399,999
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$700k	6.39%	6.6%	Balance $700,000+LVR ≤60%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$400k - less than$700k	6.39%	6.6%	LVR ≤60%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k	6.44%	6.65%	Balance $400,000–$699,999LVR 60.01–70%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$700k	6.44%	6.65%	LVR 60.01–70%Balance $700,000+
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k - less than$400k	6.44%	6.65%	Balance $150,000–$399,999LVR 70.01–80%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k	6.44%	6.65%	Balance $150,000–$399,999LVR 60.01–70%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$700k	6.44%	6.65%	LVR 70.01–80%Balance $700,000+
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k	6.44%	6.65%	Balance $400,000–$699,999LVR 70.01–80%
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%	6.74%	6.7%	LVR 70.01–80%Balance $20,000+
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%	6.74%	6.7%	Balance $20,000+LVR 60.01–70%
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%	6.74%	6.66%	Balance $20,000+LVR ≤60%
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%	6.79%	6.67%	Balance $20,000+LVR 70.01–80%
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%	6.79%	6.62%	Balance $20,000+LVR ≤60%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k	6.79%	6.94%	Balance $400,000–$699,999LVR 80.01–90%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$700k	6.79%	6.94%	LVR 80.01–90%Balance $700,000+
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%	6.79%	6.67%	Balance $20,000+LVR 60.01–70%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k	6.79%	6.94%	Balance $150,000–$399,999LVR 80.01–90%
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%	6.89%	6.73%	LVR ≤60%Balance $20,000+
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%	6.89%	6.77%	Balance $20,000+LVR 70.01–80%
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%	6.89%	6.77%	LVR 60.01–70%Balance $20,000+
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%	6.94%	6.94%	Balance $20,000+LVR 80.01–90%
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%	6.99%	6.98%	Balance $20,000+LVR 80.01–90%
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%	6.99%	6.91%	LVR 80.01–90%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%	7.19%	6.98%	Balance $20,000+LVR 60.01–70%
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%	7.19%	6.92%	LVR 60.01–70%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%	7.19%	6.95%	Balance $20,000+LVR ≤60%
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%	7.19%	6.98%	LVR 70.01–80%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%	7.19%	6.92%	LVR 70.01–80%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%	7.19%	6.89%	Balance $20,000+LVR ≤60%
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%	7.29%	7.11%	Balance $20,000+LVR 80.01–90%
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%	7.29%	7.16%	LVR 80.01–90%Balance $20,000+
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%	7.59%	9.31%	LVR 95.01–100%Balance $20,000+
Fixed · 2 years FIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%	7.59%	9.31%	Balance $20,000+LVR 90.01–95%
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%	7.74%	8.92%	LVR 95.01–100%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%	7.74%	9.04%	LVR 95.01–100%Balance $20,000+
Fixed · 5 years FIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%	7.74%	8.92%	LVR 90.01–95%Balance $20,000+
Fixed · 4 years FIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%	7.74%	9.04%	LVR 90.01–95%Balance $20,000+
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%	7.79%	9.53%	LVR 90.01–95%Balance $20,000+
Fixed · 1 year FIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%	7.79%	9.53%	Balance $20,000+LVR 95.01–100%
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%	7.84%	9.21%	Balance $20,000+LVR 95.01–100%
Fixed · 3 years FIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%	7.84%	9.21%	Balance $20,000+LVR 90.01–95%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$700k	8.59%	9.3%	Balance $700,000+LVR 90.01–95%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$400k - less than$700k	8.59%	9.3%	Balance $400,000–$699,999LVR 95.01–100%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k	8.59%	9.3%	LVR 95.01–100%Balance $50,000–$149,999
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$700k	8.59%	9.3%	Balance $700,000+LVR 95.01–100%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k	8.59%	9.3%	LVR 90.01–95%Balance $400,000–$699,999
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k - less than$400k	8.59%	9.3%	LVR 95.01–100%Balance $150,000–$399,999
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k	8.59%	9.3%	Balance $50,000–$149,999LVR 90.01–95%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k - less than$400k	8.59%	9.3%	Balance $150,000–$399,999LVR 90.01–95%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k	9.01%	9.05%	Balance $50,000–$149,999LVR 70.01–80%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k	9.01%	9.05%	Balance $50,000–$149,999LVR ≤60%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k	9.01%	9.05%	Balance $50,000–$149,999LVR 60.01–70%
Variable VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k	9.21%	9.15%	Balance $50,000–$149,999LVR 80.01–90%