Virgin Money home loans

2 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.

Loan	Variable	1 yr fixed	2 yr	3 yr	4 yr	5 yr	Go to site
Virgin Money Lite Home LoanRedraw · no ongoing fee	6.11%	6.19%	6.24%	6.32%	6.44%	6.50%	Go to site
Virgin Money Loaded Home LoanOffset account · redraw	6.68%	6.73%	6.76%	6.81%	6.90%	6.94%	Go to site

Virgin Money Lite Home LoanRedraw · no ongoing fee6.11%
Virgin Money Loaded Home LoanOffset account · redraw6.68%

The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Compare all 321 home loans

Compare Virgin Money side by side

October 20262 changes

4Sun

Virgin Money Loaded Home Loan120 variants up 0.13 to 0.474 days after the RBA rise to 4.60%

Variable · P&I · Owner-occupier · ≤60% LVR	6.38	→	6.63	+0.25
Variable · P&I · Owner-occupier · 70–80% LVR	6.43	→	6.68	+0.25
Variable · P&I · Owner-occupier · 60–70% LVR	6.43	→	6.68	+0.25
Variable · P&I · Investor · ≤60% LVR	6.58	→	6.82	+0.24
Variable · P&I · Investor · 60–70% LVR	6.63	→	6.87	+0.24
Variable · P&I · Investor · 70–80% LVR	6.63	→	6.87	+0.24
Variable · Interest Only · Investor · ≤60% LVR	6.60	→	6.85	+0.25
Variable · P&I · Owner-occupier · 80–90% LVR	6.68	→	6.92	+0.24
Variable · Interest Only · Investor · 70–80% LVR	6.65	→	6.90	+0.25
Variable · Interest Only · Investor · 60–70% LVR	6.65	→	6.90	+0.25
2yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.45	→	6.76	+0.31
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.45	→	6.76	+0.31
2yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.41	→	6.72	+0.31
Variable · P&I · Investor · 80–90% LVR	6.87	→	7.12	+0.25
3yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.47	→	6.81	+0.34
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.47	→	6.81	+0.34
3yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.44	→	6.77	+0.33
1yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.42	→	6.68	+0.26
1yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.46	→	6.73	+0.27
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.46	→	6.73	+0.27
2yr Fixed · P&I · Investor · ≤60% LVR	6.60	→	6.90	+0.30
2yr Fixed · P&I · Investor · 70–80% LVR	6.64	→	6.94	+0.30
2yr Fixed · P&I · Investor · 60–70% LVR	6.64	→	6.94	+0.30
2yr Fixed · Interest Only · Investor · ≤60% LVR	6.59	→	6.90	+0.31
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.63	→	6.94	+0.31
2yr Fixed · Interest Only · Investor · 60–70% LVR	6.63	→	6.94	+0.31
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.64	→	6.98	+0.34
3yr Fixed · Interest Only · Investor · 60–70% LVR	6.64	→	6.98	+0.34
5yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.73	→	6.92	+0.19
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.70	→	6.90	+0.20
3yr Fixed · P&I · Investor · 60–70% LVR	6.65	→	6.99	+0.34
3yr Fixed · P&I · Investor · 70–80% LVR	6.65	→	6.99	+0.34
4yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.67	→	6.87	+0.20
3yr Fixed · P&I · Investor · ≤60% LVR	6.62	→	6.95	+0.33
4yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.70	→	6.90	+0.20
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.76	→	6.94	+0.18
5yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.76	→	6.94	+0.18
3yr Fixed · Interest Only · Investor · ≤60% LVR	6.61	→	6.94	+0.33
1yr Fixed · Interest Only · Investor · 60–70% LVR	6.67	→	6.92	+0.25
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.67	→	6.92	+0.25
1yr Fixed · P&I · Investor · ≤60% LVR	6.62	→	6.88	+0.26
1yr Fixed · P&I · Investor · 60–70% LVR	6.66	→	6.92	+0.26
Variable · Interest Only · Investor · 80–90% LVR	6.94	→	7.19	+0.25
1yr Fixed · Interest Only · Investor · ≤60% LVR	6.62	→	6.87	+0.25
1yr Fixed · P&I · Investor · 70–80% LVR	6.66	→	6.92	+0.26
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.55	→	6.81	+0.26
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.52	→	6.74	+0.22
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.75	→	7.01	+0.26
2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.55	→	6.81	+0.26
3yr Fixed · P&I · Investor · 80–90% LVR	6.86	→	7.19	+0.33
1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.52	→	6.74	+0.22
2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.51	→	6.77	+0.26
3yr Fixed · Interest Only · Investor · 80–90% LVR	6.85	→	7.18	+0.33
1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.48	→	6.70	+0.22
3yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.72	→	7.05	+0.33
2yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.72	→	7.02	+0.30
5yr Fixed · P&I · Investor · ≤60% LVR	6.93	→	7.09	+0.16
5yr Fixed · P&I · Investor · 60–70% LVR	6.96	→	7.12	+0.16
4yr Fixed · P&I · Investor · 60–70% LVR	6.90	→	7.08	+0.18
2yr Fixed · P&I · Investor · 80–90% LVR	6.87	→	7.18	+0.31
2yr Fixed · Interest Only · Investor · 80–90% LVR	6.87	→	7.17	+0.30
4yr Fixed · P&I · Investor · ≤60% LVR	6.87	→	7.05	+0.18
4yr Fixed · P&I · Investor · 70–80% LVR	6.90	→	7.08	+0.18
5yr Fixed · P&I · Investor · 70–80% LVR	6.96	→	7.12	+0.16
5yr Fixed · Interest Only · Investor · ≤60% LVR	6.95	→	7.09	+0.14
5yr Fixed · Interest Only · Investor · 60–70% LVR	6.98	→	7.12	+0.14
5yr Fixed · Interest Only · Investor · 70–80% LVR	6.98	→	7.12	+0.14
2yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	8.16	→	8.41	+0.25
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.92	→	7.08	+0.16
4yr Fixed · Interest Only · Investor · 60–70% LVR	6.92	→	7.08	+0.16
4yr Fixed · Interest Only · Investor · ≤60% LVR	6.89	→	7.05	+0.16
4yr Fixed · P&I · Investor · 80–90% LVR	7.10	→	7.27	+0.17
5yr Fixed · P&I · Owner-occupier · 80–90% LVR	7.01	→	7.19	+0.18
5yr Fixed · P&I · Investor · 80–90% LVR	7.14	→	7.30	+0.16
1yr Fixed · Interest Only · Investor · 80–90% LVR	6.91	→	7.16	+0.25
1yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.72	→	6.99	+0.27
4yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.95	→	7.15	+0.20
4yr Fixed · Interest Only · Investor · 80–90% LVR	7.11	→	7.27	+0.16
5yr Fixed · Interest Only · Investor · 80–90% LVR	7.16	→	7.30	+0.14
1yr Fixed · P&I · Investor · 80–90% LVR	6.92	→	7.17	+0.25
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.77	→	6.99	+0.22
1yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	8.35	→	8.57	+0.22
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.80	→	7.22	+0.42
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.69	→	7.16	+0.47
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.54	→	7.01	+0.47
3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.54	→	7.01	+0.47
4yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.94	→	8.35	+0.41
3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.51	→	6.97	+0.46
3yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.95	→	8.42	+0.47
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.92	→	7.35	+0.43
4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.72	→	7.14	+0.42
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.72	→	7.14	+0.42
4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.69	→	7.11	+0.42
2yr Fixed · P&I · Owner-occupier · 90–95% LVR	8.22	→	8.53	+0.31
3yr Fixed · P&I · Owner-occupier · 90–95% LVR	8.14	→	8.47	+0.33
5yr Fixed · Interest Only · Investor · 90–95% LVR	8.92	→	9.05	+0.13
3yr Fixed · P&I · Investor · 90–95% LVR	9.02	→	9.35	+0.33
5yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.94	→	8.36	+0.42
4yr Fixed · Interest Only · Investor · 90–95% LVR	9.04	→	9.19	+0.15
4yr Fixed · P&I · Owner-occupier · 90–95% LVR	8.23	→	8.42	+0.19
2yr Fixed · Interest Only · Investor · 90–95% LVR	9.24	→	9.54	+0.30
5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.86	→	7.30	+0.44
1yr Fixed · P&I · Investor · 90–95% LVR	9.50	→	9.75	+0.25
5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.84	→	7.27	+0.43
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.86	→	7.30	+0.44
5yr Fixed · P&I · Investor · 90–95% LVR	8.94	→	9.08	+0.14
4yr Fixed · P&I · Investor · 90–95% LVR	9.06	→	9.22	+0.16
5yr Fixed · P&I · Owner-occupier · 90–95% LVR	8.26	→	8.44	+0.18
2yr Fixed · P&I · Investor · 90–95% LVR	9.26	→	9.57	+0.31
3yr Fixed · Interest Only · Investor · 90–95% LVR	9.08	→	9.41	+0.33
1yr Fixed · Interest Only · Investor · 90–95% LVR	9.53	→	9.78	+0.25
Variable · Interest Only · Owner-occupier · 70–80% LVR	7.17	→	7.43	+0.26
Variable · Interest Only · Owner-occupier · 60–70% LVR	7.17	→	7.43	+0.26
Variable · Interest Only · Owner-occupier · ≤60% LVR	7.14	→	7.40	+0.26
1yr Fixed · P&I · Owner-occupier · 90–95% LVR	8.39	→	8.65	+0.26
Variable · P&I · Owner-occupier · 90–95% LVR	8.43	→	8.68	+0.25
Variable · Interest Only · Investor · 90–95% LVR	9.30	→	9.55	+0.25
Variable · Interest Only · Owner-occupier · 80–90% LVR	7.74	→	8.00	+0.26
Variable · Interest Only · Owner-occupier · 90–95% LVR	8.71	→	8.96	+0.25
Variable · P&I · Investor · 90–95% LVR	9.73	→	9.98	+0.25

+0.13 to +0.47

Virgin Money Lite Home Loan120 variants up 0.13 to 0.474 days after the RBA rise to 4.60%

Variable · P&I · Owner-occupier · ≤60% LVR	5.86	→	6.11	+0.25
Variable · P&I · Owner-occupier · 70–80% LVR	5.86	→	6.11	+0.25
Variable · P&I · Owner-occupier · 60–70% LVR	5.86	→	6.11	+0.25
Variable · P&I · Investor · 70–80% LVR	6.01	→	6.26	+0.25
Variable · P&I · Investor · 60–70% LVR	6.01	→	6.26	+0.25
Variable · P&I · Investor · ≤60% LVR	6.01	→	6.26	+0.25
Variable · P&I · Owner-occupier · 80–90% LVR	6.36	→	6.61	+0.25
Variable · Interest Only · Investor · ≤60% LVR	6.17	→	6.43	+0.26
Variable · Interest Only · Investor · 60–70% LVR	6.17	→	6.43	+0.26
Variable · Interest Only · Investor · 70–80% LVR	6.20	→	6.45	+0.25
2yr Fixed · P&I · Owner-occupier · 60–70% LVR	5.93	→	6.24	+0.31
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	5.93	→	6.24	+0.31
2yr Fixed · P&I · Owner-occupier · ≤60% LVR	5.93	→	6.24	+0.31
3yr Fixed · P&I · Owner-occupier · 60–70% LVR	5.98	→	6.32	+0.34
Variable · P&I · Investor · 80–90% LVR	6.61	→	6.86	+0.25
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	5.98	→	6.32	+0.34
3yr Fixed · P&I · Owner-occupier · ≤60% LVR	5.98	→	6.32	+0.34
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	5.92	→	6.19	+0.27
1yr Fixed · P&I · Owner-occupier · 60–70% LVR	5.92	→	6.19	+0.27
1yr Fixed · P&I · Owner-occupier · ≤60% LVR	5.92	→	6.19	+0.27
2yr Fixed · Interest Only · Investor · ≤60% LVR	6.08	→	6.39	+0.31
2yr Fixed · P&I · Investor · ≤60% LVR	6.08	→	6.39	+0.31
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.08	→	6.39	+0.31
2yr Fixed · P&I · Investor · 70–80% LVR	6.08	→	6.39	+0.31
2yr Fixed · P&I · Investor · 60–70% LVR	6.08	→	6.39	+0.31
2yr Fixed · Interest Only · Investor · 60–70% LVR	6.08	→	6.39	+0.31
5yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.32	→	6.50	+0.18
3yr Fixed · P&I · Investor · ≤60% LVR	6.13	→	6.47	+0.34
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.13	→	6.47	+0.34
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.24	→	6.44	+0.20
5yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.32	→	6.50	+0.18
3yr Fixed · Interest Only · Investor · ≤60% LVR	6.13	→	6.47	+0.34
3yr Fixed · Interest Only · Investor · 60–70% LVR	6.13	→	6.47	+0.34
4yr Fixed · P&I · Owner-occupier · 60–70% LVR	6.24	→	6.44	+0.20
3yr Fixed · P&I · Investor · 70–80% LVR	6.13	→	6.47	+0.34
3yr Fixed · P&I · Investor · 60–70% LVR	6.13	→	6.47	+0.34
4yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.24	→	6.44	+0.20
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.32	→	6.50	+0.18
Variable · Interest Only · Investor · 80–90% LVR	6.67	→	6.92	+0.25
1yr Fixed · P&I · Investor · 70–80% LVR	6.08	→	6.34	+0.26
1yr Fixed · Interest Only · Investor · ≤60% LVR	6.09	→	6.34	+0.25
1yr Fixed · P&I · Investor · 60–70% LVR	6.08	→	6.34	+0.26
1yr Fixed · P&I · Investor · ≤60% LVR	6.08	→	6.34	+0.26
1yr Fixed · Interest Only · Investor · 60–70% LVR	6.09	→	6.34	+0.25
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.09	→	6.34	+0.25
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.04	→	6.30	+0.26
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	5.98	→	6.21	+0.23
2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.04	→	6.30	+0.26
1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	5.98	→	6.21	+0.23
2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.04	→	6.30	+0.26
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.44	→	6.70	+0.26
3yr Fixed · Interest Only · Investor · 80–90% LVR	6.59	→	6.93	+0.34
1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	5.98	→	6.21	+0.23
3yr Fixed · P&I · Investor · 80–90% LVR	6.59	→	6.93	+0.34
3yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.41	→	6.75	+0.34
2yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.41	→	6.72	+0.31
5yr Fixed · P&I · Investor · ≤60% LVR	6.49	→	6.66	+0.17
5yr Fixed · P&I · Investor · 70–80% LVR	6.49	→	6.66	+0.17
4yr Fixed · P&I · Investor · ≤60% LVR	6.41	→	6.59	+0.18
2yr Fixed · P&I · Investor · 80–90% LVR	6.61	→	6.92	+0.31
5yr Fixed · P&I · Investor · 60–70% LVR	6.49	→	6.66	+0.17
4yr Fixed · P&I · Investor · 60–70% LVR	6.41	→	6.59	+0.18
2yr Fixed · Interest Only · Investor · 80–90% LVR	6.61	→	6.92	+0.31
4yr Fixed · P&I · Investor · 70–80% LVR	6.41	→	6.59	+0.18
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.44	→	6.60	+0.16
2yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.60	→	7.86	+0.26
5yr Fixed · Interest Only · Investor · 70–80% LVR	6.52	→	6.67	+0.15
5yr Fixed · Interest Only · Investor · 60–70% LVR	6.52	→	6.67	+0.15
4yr Fixed · Interest Only · Investor · ≤60% LVR	6.44	→	6.60	+0.16
4yr Fixed · Interest Only · Investor · 60–70% LVR	6.44	→	6.60	+0.16
5yr Fixed · Interest Only · Investor · ≤60% LVR	6.52	→	6.67	+0.15
1yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.41	→	6.67	+0.26
5yr Fixed · P&I · Investor · 80–90% LVR	6.87	→	7.04	+0.17
4yr Fixed · P&I · Investor · 80–90% LVR	6.83	→	7.01	+0.18
5yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.71	→	6.90	+0.19
4yr Fixed · P&I · Owner-occupier · 80–90% LVR	6.65	→	6.85	+0.20
1yr Fixed · Interest Only · Investor · 80–90% LVR	6.65	→	6.90	+0.25
5yr Fixed · Interest Only · Investor · 80–90% LVR	6.91	→	7.05	+0.14
4yr Fixed · Interest Only · Investor · 80–90% LVR	6.86	→	7.02	+0.16
1yr Fixed · P&I · Investor · 80–90% LVR	6.65	→	6.91	+0.26
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.46	→	6.68	+0.22
1yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.75	→	7.97	+0.22
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.52	→	6.93	+0.41
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.40	→	6.86	+0.46
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.06	→	6.53	+0.47
4yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.46	→	7.87	+0.41
3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.06	→	6.53	+0.47
3yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.44	→	7.91	+0.47
3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.06	→	6.53	+0.47
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR	6.63	→	7.07	+0.44
4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.26	→	6.69	+0.43
4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.26	→	6.69	+0.43
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.26	→	6.69	+0.43
3yr Fixed · P&I · Investor · 90–95% LVR	7.97	→	8.31	+0.34
4yr Fixed · P&I · Owner-occupier · 90–95% LVR	7.74	→	7.93	+0.19
5yr Fixed · Interest Only · Investor · 90–95% LVR	8.06	→	8.19	+0.13
2yr Fixed · P&I · Owner-occupier · 90–95% LVR	7.66	→	7.98	+0.32
5yr Fixed · Interest Only · Owner-occupier · 90–95% LVR	7.48	→	7.91	+0.43
4yr Fixed · Interest Only · Investor · 90–95% LVR	8.10	→	8.25	+0.15
3yr Fixed · P&I · Owner-occupier · 90–95% LVR	7.61	→	7.95	+0.34
2yr Fixed · Interest Only · Investor · 90–95% LVR	8.08	→	8.40	+0.32
5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.43	→	6.87	+0.44
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.43	→	6.87	+0.44
4yr Fixed · P&I · Investor · 90–95% LVR	8.11	→	8.28	+0.17
1yr Fixed · P&I · Investor · 90–95% LVR	8.22	→	8.48	+0.26
5yr Fixed · P&I · Investor · 90–95% LVR	8.07	→	8.23	+0.16
5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR	6.43	→	6.87	+0.44
5yr Fixed · P&I · Owner-occupier · 90–95% LVR	7.79	→	7.98	+0.19
2yr Fixed · P&I · Investor · 90–95% LVR	8.10	→	8.42	+0.32
3yr Fixed · Interest Only · Investor · 90–95% LVR	8.04	→	8.37	+0.33
Variable · P&I · Owner-occupier · 90–95% LVR	7.79	→	8.04	+0.25
1yr Fixed · Interest Only · Investor · 90–95% LVR	8.25	→	8.50	+0.25
1yr Fixed · P&I · Owner-occupier · 90–95% LVR	7.79	→	8.05	+0.26
Variable · P&I · Investor · 90–95% LVR	8.31	→	8.56	+0.25
Variable · Interest Only · Owner-occupier · 70–80% LVR	6.99	→	7.25	+0.26
Variable · Interest Only · Owner-occupier · 60–70% LVR	6.99	→	7.25	+0.26
Variable · Interest Only · Owner-occupier · ≤60% LVR	6.99	→	7.25	+0.26
Variable · Interest Only · Investor · 90–95% LVR	8.40	→	8.65	+0.25
Variable · Interest Only · Owner-occupier · 90–95% LVR	8.20	→	8.46	+0.26
Variable · Interest Only · Owner-occupier · 80–90% LVR	7.40	→	7.66	+0.26

+0.13 to +0.47

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report

Notes on Virgin Money home loans

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As of 1 November 2026, Virgin Money has two home loan products in 240 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.11% (Virgin Money Lite Home Loan), ranking 3rd of 93 variable owner-occupier P&I loans and sitting 0.47 points below the market average of 6.58%. Its rates last moved on 4 October 2026, 4 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.

Virgin Money home loans

Rates over timeComparison rate of each product's headline variant

ChangesLast change 4 Oct

October 20262 changes

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Notes on Virgin Money home loans