A person holding love heart ballons symbolising the love of competitive variable and fixed interest rates

Rates and Fees

HOME LOAN

Packed with features, stacked with rewards, our home loans aren’t like other home loans.

Choose an interest rate that’s right for you

We make it clear and simple so you don’t feel like you’re missing out on a better deal. And we’ll even discount your interest rate based on the size of your home loan and loan-to-value ratio.

Lite Home Loan
Lite Home Loan

Lite on fees but still heavy on features, this streamlined home loan has everything you need (and nothing you don’t).

Enquire now   Learn more

Owner Occupier

Found a place you want to call home? Check out our competitive rates for owner-occupiers.

Slippers symbolising comfort with a variable rate home loan

  • Owner Occupier - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $20,000.00

    Loan to Value Ratio (LVR)11 Interest Rate 
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 80% 7.95 7.97 7.59% 7.61%
    80.01% to 90% 8.21 8.23 7.59% 7.61%
    Over 90.01% 8.21 8.23 7.59% 7.61%
    INTEREST ONLY
    Less than or equal to 80% 7.92 7.95 8.19% 7.88%
    80.01% to 90% 8.19 8.22 8.19% 7.88%
     
  • Owner Occupier - Variable
    >$150K
    Loan to Value Ratio (LVR)11 Interest Rate 
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 80% 5.63 5.65 7.59% 7.61%
    80.01% to 90% 5.84 5.86 7.59% 7.61%
    Over 90.01% 7.27 7.29 7.59% 7.61%
    INTEREST ONLY
    Less than or equal to 80% 7.92 6.67 8.19% 7.88%
    80.01% to 90% 8.19 6.91 8.19% 7.88%
     
  • Owner Occupier - Fixed
    LVR 80.01% to 90%
    Term       Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)+ Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year 5.99 5.87 7.69% 7.62%
    2 Year 5.49 5.79 7.59% 7.61%
    3 Year 5.39 5.73 7.29% 7.52%
    4 Year 5.69 5.80 7.29% 7.49%
    5 Year 5.69 5.79 7.49% 7.56%
    INTEREST ONLY
    1 Year 7.34 6.01 7.09% 7.55%
    2 Year 6.79 6.04 6.79% 7.44%
    3 Year 6.49 6.04 6.79% 7.37%
    4 Year 7.19 6.33 6.99% 7.38%
    5 Year  6.99 6.36 7.09% 7.38%
  • Owner Occupier - Fixed
    LVR Less than or equal to 80%
    Term       Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)+ Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year 5.64 5.65 7.69% 7.62%
    2 Year 5.14 5.55 7.59% 7.61%
    3 Year 5.14 5.51 7.29% 7.52%
    4 Year 5.44 5.58 7.29% 7.49%
    5 Year 5.44 5.57 7.49% 7.56%
    INTEREST ONLY
    1 Year 7.09 5.79 7.09% 7.55%
    2 Year 6.79 5.87 6.79% 7.44%
    3 Year 6.59 5.92 6.79% 7.37%
    4 Year 6.99 6.14 6.99% 7.38%
    5 Year 7.19 6.33 7.09% 7.38%
Investor

Buying or refinancing a place to rent out?  We’re invested in making investing more rewarding for you.

graph symbolising interest rate savings with a Virgin Money home loan

  • Investor - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $20,000.00

    Loan to Value Ratio (LVR)11 Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 80% 5.74 5.76 7.79% 7.81%
    80.01% to 90% 6.04 6.06 7.79% 7.81%
    INTEREST ONLY
    Less than or equal to 80% 5.89 5.82 7.99% 7.90%
    80.01% to 90% 6.24 6.14 7.99% 7.90%
  • Investor - Variable
    >$150K
    Loan to Value Ratio (LVR)11 Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 80% 5.74 5.76 7.79% 7.81%
    80.01% to 90% 6.04 6.06 7.79% 7.81%
    INTEREST ONLY
    Less than or equal to 80% 5.89 5.82 7.99% 7.90%
    80.01% to 90% 6.24 6.14 7.99% 7.90%
  • Investor - Fixed
    LVR Less than or equal to 80%
    Term       Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)+ Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year 5.84 5.77 6.24% 7.64%
    2 Year  5.34 5.68 5.94% 7.42%
    3 Year  5.34 5.65 5.94% 7.26%
    4 Year  5.64 5.72 6.14% 7.19%
    5 Year  5.64 5.71 6.24% 7.11%
    INTEREST ONLY
    1 Year  5.94 5.78 6.44% 7.66%
    2 Year  5.44 5.70 6.14% 7.46%
    3 Year  5.44 5.67 6.14% 7.32%
    4 Year  5.74 5.76 6.34% 7.26%
    5 Year  5.74 5.76 6.44% 7.20%
  • Investor - Fixed
    LVR 80.01% to 90%
    Term       Interest Rate (% p.a.)+ Comparison Rate (% p.a.)* Base Rate (% p.a.)+ Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    1 Year  6.14 6.07 6.24% 7.64%
    2 Year  5.54 5.96 5.94% 7.42%
    3 Year  5.44 5.89 5.94% 7.26%
    4 Year  5.74 5.95 6.14% 7.19%
    5 Year  5.74 5.93 6.24% 7.11%
    INTEREST ONLY
    1 Year  6.14 6.07 6.44% 7.66%
    2 Year  5.64 5.98 6.14% 7.46%
    3 Year  5.54 5.92 6.14% 7.32%
    4 Year  5.84 5.98 6.34% 7.26%
    5 Year  5.84 5.97 6.44% 7.20%
Loaded Home Loan
Loaded Home Loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with greater flexibility and control.

Enquire now   Learn more

Owner Occupier

Buying or refinancing your principle place of residence? A Loaded home loan is your principal place of great rates and rewards.

Comfortable slippers symbolising happiness with a competitive interest rate home loan

Variable Interest Rates
  • Owner Occupier - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $50,000.00

    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 7.88 8.15 7.69% 7.96%
    60.01% to 80% 8.00 8.27 7.69% 7.96%
    80.01% to 90% 7.86 8.13 7.69% 7.96%
    Over 90.01% 8.21 8.48 7.69% 7.96%
    INTEREST ONLY
    Less than or equal to 60% 8.46 8.42 8.29% 8.24%
    60.01% to 80% 8.46 8.49 8.29% 8.24%
  • Owner Occupier - Variable
    >$150K - $400K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.78 6.07 7.69% 7.96%
    60.01% to 80% 5.78 6.07 7.69% 7.96%
    80.01% to 90% 5.99 6.28 7.69% 7.96%
    Over 90.01% 7.66 7.93 7.69% 7.96%
    INTEREST ONLY
    Less than or equal to 60% 7.42 6.80 8.29% 8.24%
    60.01% to 80% 7.42 6.80 8.29% 8.24%
  • Owner Occupier - Variable
    >$400K - $700K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.64 5.93 7.69% 7.96%
    60.01% to 80% 5.69 5.98 7.69% 7.96%
    80.01% to 90% 5.89 6.18 7.69% 7.96%
    Over 90.01% 7.66 7.93 7.69% 7.96%
    INTEREST ONLY
    Less than or equal to 60% 7.37 6.70 8.29% 8.24%
    60.01% to 80% 7.37 6.73 8.29% 8.24%
  • Owner Occupier - Variable
    >$700K +
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.64 5.93 7.69% 7.96%
    60.01% to 80% 5.69 5.98 7.69% 7.96%
    80.01% to 90% 5.89 6.18 7.69% 7.96%
    Over 90.01% 7.66 7.93 7.69% 7.96%
    INTEREST ONLY
    Less than or equal to 60% 7.37 6.70 8.29% 8.24%
    60.01% to 80% 7.37 6.73 8.29% 8.24%
    • Fixed Interest Rates
    • Owner Occupier - Fixed
      LVR Less than or equal to 60%

      Please note: The minimum amount that may be borrowed is $20,000.00

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  5.64% 6.06% 7.69% 7.88%
      2 Year  5.14% 5.95% 7.59% 7.86%
      3 Year  5.14% 5.89% 7.29% 7.77%
      4 Year  5.44% 5.95% 7.29% 7.75%
      5 Year  5.44% 5.93% 7.49% 7.82%
      INTEREST ONLY
      1 Year  7.09% 6.21% 7.09% 7.81%
      2 Year  6.79% 6.27% 6.79% 7.70%
      3 Year  6.59% 6.30% 6.79% 7.63%
      4 Year  6.99% 6.52% 6.99% 7.64%
      5 Year  7.19% 6.70% 7.09% 7.64%
    • Owner Occupier - Fixed
      LVR 60.01% to 80%

      Please note: The minimum amount that may be borrowed is $20,000.00

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  5.64% 6.06% 7.69% 7.88%
      2 Year  5.14% 5.95% 7.59% 7.86%
      3 Year  5.14% 5.89% 7.29% 7.77%
      4 Year  5.44% 5.95% 7.29% 7.75%
      5 Year  5.44% 5.93% 7.49% 7.82%
      INTEREST ONLY
      1 Year  7.09% 6.21% 7.09% 7.81%
      2 Year  6.79% 6.27% 6.79% 7.70%
      3 Year  6.59% 6.30% 6.79% 7.63%
      4 Year  6.99% 6.52% 6.99% 7.64%
      5 Year  7.19% 6.70% 7.09% 7.64%
    • Owner Occupier - Fixed
      LVR 80.01% to 90%

      Please note: The minimum amount that may be borrowed is $20,000.00

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  5.99 6.28 7.69% 7.88%
      2 Year  5.49 6.18 7.59% 7.86%
      3 Year  5.39 6.11 7.29% 7.77%
      4 Year  5.69 6.17 7.29% 7.75%
      5 Year  5.69 6.15 7.49% 7.82%
      INTEREST ONLY
      1 Year  7.34 6.42 7.09% 7.81%
      2 Year  6.79 6.44 6.79% 7.70%
      3 Year  6.49 6.42 6.79% 7.63%
      4 Year  6.79 6.57 6.99% 7.64%
      5 Year  6.99 6.72 7.09% 7.64%
Investor

Buying or refinancing a place to rent out?  We’re invested in making investing more rewarding for you.

graph symbolising potential savings with a fixed rate home loan

Variable Interest Rates
  • Investor - Variable
    <$150K

    Please note: The minimum amount that may be borrowed is $50,000.00

    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 8.11 8.38 7.89 8.16
    60.01% to 80% 8.11 8.38 7.89 8.16
    80.01% to 90% 8.11 8.38 7.89 8.16
    Over 90.01% 8.97 9.23 7.89 8.16
    INTEREST ONLY
    Less than or equal to 60% 8.51 8.57 8.09 8.25
    60.01% to 80% 8.51 8.57 8.09 8.25
  • Investor - Variable
    >$150K - $400K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.99 6.28 7.89 8.16
    60.01% to 80% 6.04 6.33 7.89 8.16
    80.01% to 90% 6.29 6.58 7.89 8.16
    Over 90.01% 8.97 9.23 7.89 8.16
    INTEREST ONLY
    Less than or equal to 60% 6.09 6.32 8.09 8.25
    60.01% to 80% 6.14 6.37 8.09 8.25
  • Investor - Variable
    >$400K - $700K
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.79 6.08 7.89 8.16
    60.01% to 80% 5.84 6.13 7.89 8.16
    80.01% to 90% 6.09 6.38 7.89 8.16
    Over 90.01% 8.97 9.23 7.89 8.16
    INTEREST ONLY
    Less than or equal to 60% 5.89 6.13 8.09 8.25
    60.01% to 80% 5.94 6.18 8.09 8.25
  • Investor - Variable
    >$700K +
    Loan to Value Ratio (LVR)11 Interest Rate
    (% p.a.)+    		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
    PRINCIPAL & INTEREST
    Less than or equal to 60% 5.79 6.08 7.89 8.16
    60.01% to 80% 5.84 6.13 7.89 8.16
    80.01% to 90% 6.09 6.38 7.89 8.16
    Over 90.01% 8.97 9.23 7.89 8.16
    INTEREST ONLY
    Less than or equal to 60% 5.89 6.13 8.09 8.25
    60.01% to 80% 5.94 6.18 8.09 8.25
    • Fixed Interest Rates
    • Investor - Fixed
      LVR Less than or equal to 60%

      Please note: The minimum amount that may be borrowed is $20,000.00.

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  5.84% 6.26% 6.24% 7.89%
      2 Year  5.34% 6.15% 5.94% 7.68%
      3 Year  5.34% 6.10% 5.94% 7.52%
      4 Year  5.64% 6.15% 6.14% 7.44%
      5 Year  5.64% 6.13% 6.24% 7.37%
      INTEREST ONLY
      1 Year  5.94% 6.28% 6.44% 7.91%
      2 Year  5.44% 6.17% 6.14% 7.72%
      3 Year  5.44% 6.13% 6.14% 7.57%
      4 Year  5.74% 6.19% 6.34% 7.52%
      5 Year  5.74% 6.17% 6.44% 7.45%
    • Investor - Fixed
      LVR 60.01% to 80%

      Please note: The minimum amount that may be borrowed is $20,000.00.

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  5.84% 6.31% 6.24% 7.89%
      2 Year  5.34% 6.19% 5.94% 7.68%
      3 Year  5.34% 6.13% 5.94% 7.52%
      4 Year  5.64% 6.19% 6.14% 7.44%
      5 Year  5.64% 6.16% 6.24% 7.37%
      INTEREST ONLY
      1 Year  5.94% 6.32% 6.44% 7.91%
      2 Year  5.44% 6.21% 6.14% 7.72%
      3 Year  5.44% 6.16% 6.14% 7.57%
      4 Year  5.74% 6.22% 6.34% 7.52%
      5 Year  5.74% 6.20% 6.44% 7.45%
    • Investor - Fixed
      LVR 80.01% to 90%

      Please note: The minimum amount that may be borrowed is $20,000.00.

      Term Interest Rate
      (% p.a.)+      		 Comparison Rate (% p.a.)* Base Rate (% p.a.)* Comparison Base Rate (% p.a.)*
      PRINCIPAL & INTEREST
      1 Year  6.14 6.56 6.24% 7.89%
      2 Year  5.54 6.43 5.94% 7.68%
      3 Year  5.44 6.34 5.94% 7.52%
      4 Year  5.74 6.38 6.14% 7.44%
      5 Year  5.74 6.34 6.24% 7.37%
      INTEREST ONLY
      1 Year  6.14 6.56 6.44% 7.91%
      2 Year  5.64 6.45 6.14% 7.72%
      3 Year  5.54 6.36 6.14% 7.57%
      4 Year  5.84 6.41 6.34% 7.52%
      5 Year  5.84 6.38 6.44% 7.45%
Fees

Find out about fees for Virgin Money Lite Home Loan or Loaded Home Loans.

Lite Home Loan
Annual fee $0
Settlement fee  $150 - Payable for completing settlement of your loans
Valuation fee We will cover the valuation costs up to $300
Rate Lock $750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
Government fees and charges These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.
Loaded Home Loan
Annual fee $295 p.a. payable for the first time on the settlement date and then on or about every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded Home Loan held in the same name(s) and capacity.
Settlement fee  $150 - Payable for completing settlement of your loans
Valuation fee We will cover the valuation costs up to $300
Rate Lock $750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.
Government fees and charges These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. Existing customers can view interest rates and find support here.

The home loan information rundown

A full list of important information that could apply to your home loan along with terms and conditions.

See important information

Contact us 

Find contact information including phone numbers & email addresses for general enquires, application support and claims.

13 81 51

General enquiries | Home loan & offset account

Monday to Friday 8am - 6pm (AEST/AEDT)
Saturday 8am - 5pm (AEST/AEDT)
Excluding public holidays.

1800 701 997

General enquiries | FInancial Hardship Assistance

Monday to Friday 8.30am - 5pm (AEST/AEDT)
Excluding public holidays. 

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Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

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