Virgin Money Loaded Home Loan

As of 18 September 2026, the Virgin Money Virgin Money Loaded Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.43% (6.14% advertised), ranking 53rd of 107 variable owner-occupier P&I loans and sitting 0.33 points below the market average of 6.76%. The product comes in 144 variants; the others are investor, interest-only, fixed-rate and other LVR bands.

6.43%comparison rate p.a.

6.14% advertised · Variable · P&I · Owner-occupier · 70–80% LVR

143 other variants: investor, interest-only, fixed-rate and other LVR bands below.

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Rate over time

Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR

Virgin Money Loaded Home Loan · Variable · P&I · Owner-occupier
RBA cash rate
Market average

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

Variable · P&I · Owner-occupier · ≤60% LVR: 6.38% comparison · 6.09% advertised
Variable · P&I · Owner-occupier · 60–70% LVR: 6.43% comparison · 6.14% advertised
Variable · P&I · Owner-occupier · 70–80% LVR: 6.43% comparison · 6.14% advertised
Variable · P&I · Owner-occupier · 80–90% LVR: 6.68% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 90–95% LVR: 8.43% comparison · 8.16% advertised
Variable · P&I · Owner-occupier · 95–100% LVR: 8.43% comparison · 8.16% advertised
Variable · Interest Only · Owner-occupier · ≤60% LVR: 7.14% comparison · 7.87% advertised
Variable · Interest Only · Owner-occupier · 60–70% LVR: 7.17% comparison · 7.87% advertised
Variable · Interest Only · Owner-occupier · 70–80% LVR: 7.17% comparison · 7.87% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR: 7.74% comparison · 8.79% advertised
Variable · Interest Only · Owner-occupier · 90–95% LVR: 9.00% comparison · 8.79% advertised
Variable · Interest Only · Owner-occupier · 95–100% LVR: 8.71% comparison · 8.79% advertised
Variable · P&I · Investor · ≤60% LVR: 6.58% comparison · 6.29% advertised
Variable · P&I · Investor · 60–70% LVR: 6.63% comparison · 6.34% advertised
Variable · P&I · Investor · 70–80% LVR: 6.63% comparison · 6.34% advertised
Variable · P&I · Investor · 80–90% LVR: 6.87% comparison · 6.59% advertised
Variable · P&I · Investor · 90–95% LVR: 9.73% comparison · 9.47% advertised
Variable · P&I · Investor · 95–100% LVR: 9.73% comparison · 9.47% advertised
Variable · Interest Only · Investor · ≤60% LVR: 6.60% comparison · 6.39% advertised
Variable · Interest Only · Investor · 60–70% LVR: 6.65% comparison · 6.44% advertised
Variable · Interest Only · Investor · 70–80% LVR: 6.65% comparison · 6.44% advertised
Variable · Interest Only · Investor · 80–90% LVR: 6.94% comparison · 6.79% advertised
Variable · Interest Only · Investor · 90–95% LVR: 9.30% comparison · 8.59% advertised
Variable · Interest Only · Investor · 95–100% LVR: 9.30% comparison · 8.59% advertised
1yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.42% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.46% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.46% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.72% comparison · 6.84% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR: 8.39% comparison · 7.79% advertised
1yr Fixed · P&I · Owner-occupier · 95–100% LVR: 8.39% comparison · 7.79% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR: 6.48% comparison · 7.09% advertised
1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR: 6.52% comparison · 7.09% advertised
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 6.52% comparison · 7.09% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR: 6.77% comparison · 7.34% advertised
1yr Fixed · Interest Only · Owner-occupier · 90–95% LVR: 8.35% comparison · 7.44% advertised
1yr Fixed · Interest Only · Owner-occupier · 95–100% LVR: 8.35% comparison · 7.44% advertised
1yr Fixed · P&I · Investor · ≤60% LVR: 6.62% comparison · 6.69% advertised
1yr Fixed · P&I · Investor · 60–70% LVR: 6.66% comparison · 6.69% advertised
1yr Fixed · P&I · Investor · 70–80% LVR: 6.66% comparison · 6.69% advertised
1yr Fixed · P&I · Investor · 80–90% LVR: 6.92% comparison · 6.99% advertised
1yr Fixed · P&I · Investor · 90–95% LVR: 9.50% comparison · 7.49% advertised
1yr Fixed · P&I · Investor · 95–100% LVR: 9.50% comparison · 7.49% advertised
1yr Fixed · Interest Only · Investor · ≤60% LVR: 6.62% comparison · 6.79% advertised
1yr Fixed · Interest Only · Investor · 60–70% LVR: 6.67% comparison · 6.79% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR: 6.67% comparison · 6.79% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR: 6.91% comparison · 6.99% advertised
1yr Fixed · Interest Only · Investor · 90–95% LVR: 9.53% comparison · 7.79% advertised
1yr Fixed · Interest Only · Investor · 95–100% LVR: 9.53% comparison · 7.79% advertised
2yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.41% comparison · 6.24% advertised
2yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.45% comparison · 6.24% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.45% comparison · 6.24% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.72% comparison · 6.59% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR: 8.22% comparison · 7.19% advertised
2yr Fixed · P&I · Owner-occupier · 95–100% LVR: 8.22% comparison · 7.19% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR: 6.51% comparison · 6.79% advertised
2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR: 6.55% comparison · 6.79% advertised
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 6.55% comparison · 6.79% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR: 6.75% comparison · 6.79% advertised
2yr Fixed · Interest Only · Owner-occupier · 90–95% LVR: 8.16% comparison · 6.89% advertised
2yr Fixed · Interest Only · Owner-occupier · 95–100% LVR: 8.16% comparison · 6.89% advertised
2yr Fixed · P&I · Investor · ≤60% LVR: 6.60% comparison · 6.39% advertised
2yr Fixed · P&I · Investor · 60–70% LVR: 6.64% comparison · 6.39% advertised
2yr Fixed · P&I · Investor · 70–80% LVR: 6.64% comparison · 6.39% advertised
2yr Fixed · P&I · Investor · 80–90% LVR: 6.87% comparison · 6.59% advertised
2yr Fixed · P&I · Investor · 90–95% LVR: 9.26% comparison · 7.34% advertised
2yr Fixed · P&I · Investor · 95–100% LVR: 9.26% comparison · 7.34% advertised
2yr Fixed · Interest Only · Investor · ≤60% LVR: 6.59% comparison · 6.39% advertised
2yr Fixed · Interest Only · Investor · 60–70% LVR: 6.63% comparison · 6.39% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR: 6.63% comparison · 6.39% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR: 6.87% comparison · 6.59% advertised
2yr Fixed · Interest Only · Investor · 90–95% LVR: 9.24% comparison · 7.24% advertised
2yr Fixed · Interest Only · Investor · 95–100% LVR: 9.24% comparison · 7.24% advertised
3yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.44% comparison · 6.29% advertised
3yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.47% comparison · 6.29% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.47% comparison · 6.29% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.72% comparison · 6.54% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR: 8.14% comparison · 7.19% advertised
3yr Fixed · P&I · Owner-occupier · 95–100% LVR: 8.14% comparison · 7.19% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR: 6.51% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR: 6.54% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 6.54% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR: 6.69% comparison · 6.49% advertised
3yr Fixed · Interest Only · Owner-occupier · 90–95% LVR: 7.95% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · 95–100% LVR: 7.95% comparison · 6.59% advertised
3yr Fixed · P&I · Investor · ≤60% LVR: 6.62% comparison · 6.44% advertised
3yr Fixed · P&I · Investor · 60–70% LVR: 6.65% comparison · 6.44% advertised
3yr Fixed · P&I · Investor · 70–80% LVR: 6.65% comparison · 6.44% advertised
3yr Fixed · P&I · Investor · 80–90% LVR: 6.86% comparison · 6.54% advertised
3yr Fixed · P&I · Investor · 90–95% LVR: 9.02% comparison · 7.19% advertised
3yr Fixed · P&I · Investor · 95–100% LVR: 9.02% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · ≤60% LVR: 6.61% comparison · 6.44% advertised
3yr Fixed · Interest Only · Investor · 60–70% LVR: 6.64% comparison · 6.44% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR: 6.64% comparison · 6.44% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR: 6.85% comparison · 6.54% advertised
3yr Fixed · Interest Only · Investor · 90–95% LVR: 9.08% comparison · 7.39% advertised
3yr Fixed · Interest Only · Investor · 95–100% LVR: 9.08% comparison · 7.39% advertised
4yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.67% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.70% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.70% comparison · 6.89% advertised
4yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.95% comparison · 7.14% advertised
4yr Fixed · P&I · Owner-occupier · 90–95% LVR: 8.23% comparison · 7.64% advertised
4yr Fixed · P&I · Owner-occupier · 95–100% LVR: 8.23% comparison · 7.64% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR: 6.69% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR: 6.72% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 6.72% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR: 6.80% comparison · 6.79% advertised
4yr Fixed · Interest Only · Owner-occupier · 90–95% LVR: 7.94% comparison · 6.89% advertised
4yr Fixed · Interest Only · Owner-occupier · 95–100% LVR: 7.94% comparison · 6.89% advertised
4yr Fixed · P&I · Investor · ≤60% LVR: 6.87% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · 60–70% LVR: 6.90% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · 70–80% LVR: 6.90% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · 80–90% LVR: 7.10% comparison · 7.19% advertised
4yr Fixed · P&I · Investor · 90–95% LVR: 9.06% comparison · 7.79% advertised
4yr Fixed · P&I · Investor · 95–100% LVR: 9.06% comparison · 7.79% advertised
4yr Fixed · Interest Only · Investor · ≤60% LVR: 6.89% comparison · 7.19% advertised
4yr Fixed · Interest Only · Investor · 60–70% LVR: 6.92% comparison · 7.19% advertised
4yr Fixed · Interest Only · Investor · 70–80% LVR: 6.92% comparison · 7.19% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR: 7.11% comparison · 7.29% advertised
4yr Fixed · Interest Only · Investor · 90–95% LVR: 9.04% comparison · 7.74% advertised
4yr Fixed · Interest Only · Investor · 95–100% LVR: 9.04% comparison · 7.74% advertised
5yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.73% comparison · 6.89% advertised
5yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.76% comparison · 6.89% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.76% comparison · 6.89% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR: 7.01% comparison · 7.14% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR: 8.26% comparison · 7.79% advertised
5yr Fixed · P&I · Owner-occupier · 95–100% LVR: 8.26% comparison · 7.79% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR: 6.84% comparison · 7.19% advertised
5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR: 6.86% comparison · 7.19% advertised
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR: 6.86% comparison · 7.19% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR: 6.92% comparison · 6.99% advertised
5yr Fixed · Interest Only · Owner-occupier · 90–95% LVR: 7.94% comparison · 7.09% advertised
5yr Fixed · Interest Only · Owner-occupier · 95–100% LVR: 7.94% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · ≤60% LVR: 6.93% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · 60–70% LVR: 6.96% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · 70–80% LVR: 6.96% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · 80–90% LVR: 7.14% comparison · 7.19% advertised
5yr Fixed · P&I · Investor · 90–95% LVR: 8.94% comparison · 7.79% advertised
5yr Fixed · P&I · Investor · 95–100% LVR: 8.94% comparison · 7.79% advertised
5yr Fixed · Interest Only · Investor · ≤60% LVR: 6.95% comparison · 7.19% advertised
5yr Fixed · Interest Only · Investor · 60–70% LVR: 6.98% comparison · 7.19% advertised
5yr Fixed · Interest Only · Investor · 70–80% LVR: 6.98% comparison · 7.19% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR: 7.16% comparison · 7.29% advertised
5yr Fixed · Interest Only · Investor · 90–95% LVR: 8.92% comparison · 7.74% advertised
5yr Fixed · Interest Only · Investor · 95–100% LVR: 8.92% comparison · 7.74% advertised

Fees

Headline variant

Application fee: None
Ongoing fee: $25 a month
Discharge fee: $350
Redraw fee: None

Features

Headline variant

Offset account: Yes
Redraw: Yes
Extra repayments: Yes
Portable: No
Repayment holiday: No

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