RateGapevery home loan rate lenders publish, compared

Virgin Money home loan rates

Virgin Money's lowest advertised variable rate for a home you live in and pay down is 6.09%, if you owe up to 80% of the home’s value. It was read Monday 2 November, and is 0.24 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.79%, fixed for two years.

Have a loan with Virgin Money? Compare your rate

Since the Reserve Bank’s increase on Tuesday 29 September, Virgin Money has raised its lowest advertised variable rate from 5.84% to 6.09%. The change was first seen Sunday 4 October. After the Reserve Bank’s increase has every lender.

384 advertised rates across 2 products, published by Virgin Money under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.09% Virgin Money, lowest variable rate if you owe up to 80%
5.85% The going rate
0.24 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, if you owe up to 80%
6.09%
Lowest fixed rate
6.79%, two years
Lowest comparison rate
6.11%
Rates published
384, across 2 products
Last rate move
Saturday 3 October
Last read
Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Variable

Fixed

Showing 40 of 96 rates for this profile, lowest rate first. Every band Virgin Money prices in appears above. The 56 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Owner-occupied, interest only

96 rates

Fixed

  • Virgin Money Lite Home Loan · one year · owe up to 60% · 7.09% (6.21% with fees)
  • Virgin Money Lite Home Loan · one year · owe 60.01–70% · 7.09% (6.21% with fees)
  • Virgin Money Lite Home Loan · one year · owe 70.01–80% · 7.09% (6.21% with fees)
  • Virgin Money Lite Home Loan · two years · owe 80.01–90% · 7.09% (6.70% with fees)
  • Virgin Money Lite Home Loan · two years · owe up to 60% · 7.09% (6.30% with fees)
  • Virgin Money Lite Home Loan · two years · owe 60.01–70% · 7.09% (6.30% with fees)
  • Virgin Money Lite Home Loan · two years · owe 70.01–80% · 7.09% (6.30% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 80.01–90% · 7.09% (7.01% with fees)
  • Virgin Money Loaded Home Loan · one year · owe up to 60% · 7.09% (6.70% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 60.01–70% · 7.09% (6.74% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 70.01–80% · 7.09% (6.74% with fees)
  • Virgin Money Loaded Home Loan · two years · owe up to 60% · 7.09% (6.77% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 60.01–70% · 7.09% (6.81% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 70.01–80% · 7.09% (6.81% with fees)
  • Virgin Money Lite Home Loan · two years · owe 90.01–95% · 7.19% (7.86% with fees)
  • Virgin Money Lite Home Loan · two years · owe 95.01–100% · 7.19% (7.86% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 90.01–95% · 7.19% (8.41% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 95.01–100% · 7.19% (8.41% with fees)
  • Virgin Money Lite Home Loan · one year · owe 80.01–90% · 7.34% (6.68% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 80.01–90% · 7.34% (6.99% with fees)
  • Virgin Money Lite Home Loan · one year · owe 90.01–95% · 7.44% (7.97% with fees)
  • Virgin Money Lite Home Loan · one year · owe 95.01–100% · 7.44% (7.97% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 90.01–95% · 7.44% (8.57% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 95.01–100% · 7.44% (8.57% with fees)
  • Virgin Money Lite Home Loan · three years · owe 80.01–90% · 7.49% (6.86% with fees)
  • Virgin Money Lite Home Loan · four years · owe 80.01–90% · 7.49% (6.93% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 80.01–90% · 7.49% (7.16% with fees)
  • Virgin Money Lite Home Loan · three years · owe up to 60% · 7.59% (6.53% with fees)
  • Virgin Money Lite Home Loan · three years · owe 60.01–70% · 7.59% (6.53% with fees)
  • Virgin Money Lite Home Loan · three years · owe 70.01–80% · 7.59% (6.53% with fees)
  • Virgin Money Lite Home Loan · three years · owe 90.01–95% · 7.59% (7.91% with fees)
  • Virgin Money Lite Home Loan · three years · owe 95.01–100% · 7.59% (7.91% with fees)
  • Virgin Money Loaded Home Loan · three years · owe up to 60% · 7.59% (6.97% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 60.01–70% · 7.59% (7.01% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 70.01–80% · 7.59% (7.01% with fees)
  • Virgin Money Lite Home Loan · four years · owe 90.01–95% · 7.59% (7.87% with fees)
  • Virgin Money Lite Home Loan · four years · owe 95.01–100% · 7.59% (7.87% with fees)
  • Virgin Money Lite Home Loan · four years · owe up to 60% · 7.69% (6.69% with fees)
  • Virgin Money Lite Home Loan · four years · owe 60.01–70% · 7.69% (6.69% with fees)
  • Virgin Money Lite Home Loan · four years · owe 70.01–80% · 7.69% (6.69% with fees)

Showing 40 of 96 rates for this profile, lowest rate first. Every band Virgin Money prices in appears above. The 56 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Investment, principal and interest

96 rates

Variable

  • Virgin Money Lite Home Loan · owe up to 60% · 6.24% (6.26% with fees)
  • Virgin Money Lite Home Loan · owe 60.01–70% · 6.24% (6.26% with fees)
  • Virgin Money Lite Home Loan · owe 70.01–80% · 6.24% (6.26% with fees)
  • Virgin Money Lite Home Loan · owe up to 60% · 6.49% (6.51% with fees)
  • Virgin Money Lite Home Loan · owe 60.01–70% · 6.49% (6.51% with fees)
  • Virgin Money Lite Home Loan · owe 70.01–80% · 6.49% (6.51% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.54% (6.82% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.54% (6.82% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.54% (6.82% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.59% (6.87% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.59% (6.87% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.59% (6.87% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.59% (6.87% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.59% (6.87% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.59% (6.87% with fees)
  • Virgin Money Lite Home Loan · owe 80.01–90% · 6.79% (6.81% with fees)
  • Virgin Money Lite Home Loan · owe 80.01–90% · 6.84% (6.86% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 6.84% (7.12% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 6.84% (7.12% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 6.84% (7.12% with fees)

Fixed

  • Virgin Money Lite Home Loan · two years · owe up to 60% · 6.94% (6.39% with fees)
  • Virgin Money Lite Home Loan · two years · owe 60.01–70% · 6.94% (6.39% with fees)
  • Virgin Money Lite Home Loan · two years · owe 70.01–80% · 6.94% (6.39% with fees)
  • Virgin Money Loaded Home Loan · two years · owe up to 60% · 6.94% (6.90% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 60.01–70% · 6.94% (6.94% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 70.01–80% · 6.94% (6.94% with fees)
  • Virgin Money Lite Home Loan · three years · owe 80.01–90% · 7.09% (6.93% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 80.01–90% · 7.09% (7.19% with fees)
  • Virgin Money Lite Home Loan · three years · owe 90.01–95% · 7.74% (8.31% with fees)
  • Virgin Money Lite Home Loan · three years · owe 95.01–100% · 7.74% (8.31% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 90.01–95% · 7.74% (9.35% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 95.01–100% · 7.74% (9.35% with fees)
  • Virgin Money Lite Home Loan · one year · owe 90.01–95% · 7.84% (8.48% with fees)
  • Virgin Money Lite Home Loan · one year · owe 95.01–100% · 7.84% (8.48% with fees)
  • Virgin Money Lite Home Loan · four years · owe 90.01–95% · 7.84% (8.28% with fees)
  • Virgin Money Lite Home Loan · four years · owe 95.01–100% · 7.84% (8.28% with fees)
  • Virgin Money Lite Home Loan · five years · owe 90.01–95% · 7.84% (8.23% with fees)
  • Virgin Money Lite Home Loan · five years · owe 95.01–100% · 7.84% (8.23% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 90.01–95% · 7.84% (9.75% with fees)
  • Virgin Money Loaded Home Loan · one year · owe 95.01–100% · 7.84% (9.75% with fees)

Showing 40 of 96 rates for this profile, lowest rate first. Every band Virgin Money prices in appears above. The 56 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Investment, interest only

96 rates

Variable

  • Virgin Money Lite Home Loan · owe up to 60% · 6.64% (6.43% with fees)
  • Virgin Money Lite Home Loan · owe 60.01–70% · 6.64% (6.57% with fees)
  • Virgin Money Lite Home Loan · owe up to 60% · 6.64% (6.57% with fees)
  • Virgin Money Lite Home Loan · owe 60.01–70% · 6.64% (6.43% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.64% (6.85% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.64% (6.85% with fees)
  • Virgin Money Loaded Home Loan · owe up to 60% · 6.64% (6.85% with fees)
  • Virgin Money Lite Home Loan · owe 70.01–80% · 6.69% (6.45% with fees)
  • Virgin Money Lite Home Loan · owe 70.01–80% · 6.69% (6.59% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.69% (6.90% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.69% (6.90% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.69% (6.90% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.69% (6.90% with fees)
  • Virgin Money Loaded Home Loan · owe 60.01–70% · 6.69% (6.90% with fees)
  • Virgin Money Loaded Home Loan · owe 70.01–80% · 6.69% (6.90% with fees)
  • Virgin Money Lite Home Loan · owe 80.01–90% · 6.99% (6.92% with fees)
  • Virgin Money Lite Home Loan · owe 80.01–90% · 6.99% (6.89% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 7.04% (7.19% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 7.04% (7.19% with fees)
  • Virgin Money Loaded Home Loan · owe 80.01–90% · 7.04% (7.19% with fees)

Fixed

  • Virgin Money Lite Home Loan · two years · owe up to 60% · 6.94% (6.39% with fees)
  • Virgin Money Lite Home Loan · two years · owe 60.01–70% · 6.94% (6.39% with fees)
  • Virgin Money Lite Home Loan · two years · owe 70.01–80% · 6.94% (6.39% with fees)
  • Virgin Money Loaded Home Loan · two years · owe up to 60% · 6.94% (6.90% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 60.01–70% · 6.94% (6.94% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 70.01–80% · 6.94% (6.94% with fees)
  • Virgin Money Lite Home Loan · three years · owe 80.01–90% · 7.09% (6.93% with fees)
  • Virgin Money Loaded Home Loan · three years · owe 80.01–90% · 7.09% (7.18% with fees)
  • Virgin Money Lite Home Loan · four years · owe 90.01–95% · 7.74% (8.25% with fees)
  • Virgin Money Lite Home Loan · four years · owe 95.01–100% · 7.74% (8.25% with fees)
  • Virgin Money Lite Home Loan · five years · owe 90.01–95% · 7.74% (8.19% with fees)
  • Virgin Money Lite Home Loan · five years · owe 95.01–100% · 7.74% (8.19% with fees)
  • Virgin Money Loaded Home Loan · four years · owe 90.01–95% · 7.74% (9.19% with fees)
  • Virgin Money Loaded Home Loan · four years · owe 95.01–100% · 7.74% (9.19% with fees)
  • Virgin Money Loaded Home Loan · five years · owe 90.01–95% · 7.74% (9.05% with fees)
  • Virgin Money Loaded Home Loan · five years · owe 95.01–100% · 7.74% (9.05% with fees)
  • Virgin Money Lite Home Loan · two years · owe 90.01–95% · 7.79% (8.40% with fees)
  • Virgin Money Lite Home Loan · two years · owe 95.01–100% · 7.79% (8.40% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 90.01–95% · 7.79% (9.54% with fees)
  • Virgin Money Loaded Home Loan · two years · owe 95.01–100% · 7.79% (9.54% with fees)

Showing 40 of 96 rates for this profile, lowest rate first. Every band Virgin Money prices in appears above. The 56 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

What changed

Virgin Money last moved a rate on Saturday 3 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 18 publish a lower one than Virgin Money's 6.09%. The nearest either side:

Virgin Money is a Bank of Queensland Group brand. The group's other brands with a page here: Bank of Queensland Limited, ME Bank - ME Go, BOQ Specialist. Each publishes its own rates.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Virgin Money told you, it is usually one of these.

The published data is wrong

Virgin Money publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Virgin Money
ABN: 32009656740
Product Reference Data endpoint: https://api.cds.virginmoney.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 384

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.
Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.

More from the data

Building something with this? There is an API, and the data is free.

This morning: the market, variable rates, fixed rates and what moved this week.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.