Virgin Money home loan rates

384 advertised rate lines across 2 products, published by Virgin Money under the Consumer Data Right. Read yesterday. No lender pays to be listed.

Where it sits

5.84% Virgin Money, lowest open
5.84% The benchmark
the same to two decimals

The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.

Both figures are advertised rates for a new customer. The discount a broker negotiates is published nowhere and is not in either number. Read your own rate against this.

Owner-occupied, principal and interest

ProductTypeLVR RateComparison
Virgin Money Lite Home Loan variable 0–60% 5.84% 5.86%
Virgin Money Lite Home Loan variable 60.01–70% 5.84% 5.86%
Virgin Money Lite Home Loan variable 70.01–80% 5.84% 5.86%
Virgin Money Loaded Home Loan variable 0–60% 6.09% 6.38%
Virgin Money Loaded Home Loan variable 0–60% 6.09% 6.38%
Virgin Money Loaded Home Loan variable 0–60% 6.09% 6.38%
Virgin Money Loaded Home Loan variable 60.01–70% 6.14% 6.43%
Virgin Money Loaded Home Loan variable 70.01–80% 6.14% 6.43%
Virgin Money Loaded Home Loan variable 60.01–70% 6.14% 6.43%
Virgin Money Loaded Home Loan variable 70.01–80% 6.14% 6.43%
Virgin Money Loaded Home Loan variable 60.01–70% 6.14% 6.43%
Virgin Money Loaded Home Loan variable 70.01–80% 6.14% 6.43%
Virgin Money Lite Home Loan fixed 2y 0–60% 6.24% 5.93%
Virgin Money Lite Home Loan fixed 2y 60.01–70% 6.24% 5.93%
Virgin Money Lite Home Loan fixed 2y 70.01–80% 6.24% 5.93%
Virgin Money Loaded Home Loan fixed 2y 0–60% 6.24% 6.41%
Virgin Money Loaded Home Loan fixed 2y 60.01–70% 6.24% 6.45%
Virgin Money Loaded Home Loan fixed 2y 70.01–80% 6.24% 6.45%
Virgin Money Lite Home Loan fixed 3y 0–60% 6.29% 5.98%
Virgin Money Lite Home Loan fixed 3y 60.01–70% 6.29% 5.98%
Virgin Money Lite Home Loan fixed 3y 70.01–80% 6.29% 5.98%
Virgin Money Lite Home Loan variable 80.01–90% 6.34% 6.36%
Virgin Money Loaded Home Loan variable 80.01–90% 6.39% 6.68%
Virgin Money Loaded Home Loan variable 80.01–90% 6.39% 6.68%
Virgin Money Loaded Home Loan variable 80.01–90% 6.39% 6.68%
Virgin Money Lite Home Loan fixed 3y 80.01–90% 6.54% 6.41%
Virgin Money Loaded Home Loan fixed 3y 80.01–90% 6.54% 6.72%
Virgin Money Lite Home Loan fixed 2y 80.01–90% 6.59% 6.41%
Virgin Money Lite Home Loan fixed 2y 90.01–95% 7.19% 7.66%
Virgin Money Lite Home Loan fixed 2y 95.01–100% 7.19% 7.66%
Virgin Money Lite Home Loan fixed 3y 90.01–95% 7.19% 7.61%
Virgin Money Lite Home Loan fixed 3y 95.01–100% 7.19% 7.61%
Virgin Money Loaded Home Loan fixed 2y 90.01–95% 7.19% 8.22%
Virgin Money Loaded Home Loan fixed 2y 95.01–100% 7.19% 8.22%
Virgin Money Loaded Home Loan fixed 3y 90.01–95% 7.19% 8.14%
Virgin Money Loaded Home Loan fixed 3y 95.01–100% 7.19% 8.14%
Virgin Money Lite Home Loan fixed 4y 90.01–95% 7.64% 7.74%
Virgin Money Lite Home Loan fixed 4y 95.01–100% 7.64% 7.74%
Virgin Money Loaded Home Loan fixed 4y 90.01–95% 7.64% 8.23%
Virgin Money Loaded Home Loan fixed 4y 95.01–100% 7.64% 8.23%

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

ProductTypeLVR RateComparison
Virgin Money Lite Home Loan fixed 3y 80.01–90% 6.49% 6.40%
Virgin Money Loaded Home Loan fixed 3y 80.01–90% 6.49% 6.69%
Virgin Money Lite Home Loan fixed 3y 0–60% 6.59% 6.06%
Virgin Money Lite Home Loan fixed 3y 60.01–70% 6.59% 6.06%
Virgin Money Lite Home Loan fixed 3y 70.01–80% 6.59% 6.06%
Virgin Money Lite Home Loan fixed 3y 90.01–95% 6.59% 7.44%
Virgin Money Lite Home Loan fixed 3y 95.01–100% 6.59% 7.44%
Virgin Money Loaded Home Loan fixed 3y 0–60% 6.59% 6.51%
Virgin Money Loaded Home Loan fixed 3y 60.01–70% 6.59% 6.54%
Virgin Money Loaded Home Loan fixed 3y 70.01–80% 6.59% 6.54%
Virgin Money Loaded Home Loan fixed 3y 90.01–95% 6.59% 7.95%
Virgin Money Loaded Home Loan fixed 3y 95.01–100% 6.59% 7.95%
Virgin Money Lite Home Loan fixed 2y 0–60% 6.79% 6.04%
Virgin Money Lite Home Loan fixed 2y 60.01–70% 6.79% 6.04%
Virgin Money Lite Home Loan fixed 2y 70.01–80% 6.79% 6.04%
Virgin Money Lite Home Loan fixed 2y 80.01–90% 6.79% 6.44%
Virgin Money Loaded Home Loan fixed 2y 0–60% 6.79% 6.51%
Virgin Money Loaded Home Loan fixed 2y 60.01–70% 6.79% 6.55%
Virgin Money Loaded Home Loan fixed 2y 70.01–80% 6.79% 6.55%
Virgin Money Lite Home Loan fixed 4y 80.01–90% 6.79% 6.52%
Virgin Money Loaded Home Loan fixed 2y 80.01–90% 6.79% 6.75%
Virgin Money Loaded Home Loan fixed 4y 80.01–90% 6.79% 6.80%
Virgin Money Lite Home Loan fixed 2y 90.01–95% 6.89% 7.60%
Virgin Money Lite Home Loan fixed 2y 95.01–100% 6.89% 7.60%
Virgin Money Lite Home Loan fixed 4y 90.01–95% 6.89% 7.46%
Virgin Money Lite Home Loan fixed 4y 95.01–100% 6.89% 7.46%
Virgin Money Loaded Home Loan fixed 2y 90.01–95% 6.89% 8.16%
Virgin Money Loaded Home Loan fixed 2y 95.01–100% 6.89% 8.16%
Virgin Money Loaded Home Loan fixed 4y 90.01–95% 6.89% 7.94%
Virgin Money Loaded Home Loan fixed 4y 95.01–100% 6.89% 7.94%
Virgin Money Lite Home Loan fixed 4y 0–60% 6.99% 6.26%
Virgin Money Lite Home Loan fixed 4y 60.01–70% 6.99% 6.26%
Virgin Money Lite Home Loan fixed 4y 70.01–80% 6.99% 6.26%
Virgin Money Loaded Home Loan fixed 4y 0–60% 6.99% 6.69%
Virgin Money Loaded Home Loan fixed 4y 60.01–70% 6.99% 6.72%
Virgin Money Loaded Home Loan fixed 4y 70.01–80% 6.99% 6.72%
Virgin Money Lite Home Loan fixed 5y 80.01–90% 6.99% 6.63%
Virgin Money Lite Home Loan fixed 1y 0–60% 7.09% 5.98%
Virgin Money Lite Home Loan fixed 1y 60.01–70% 7.09% 5.98%
Virgin Money Lite Home Loan fixed 1y 70.01–80% 7.09% 5.98%

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

ProductTypeLVR RateComparison
Virgin Money Lite Home Loan variable 0–60% 5.99% 6.01%
Virgin Money Lite Home Loan variable 60.01–70% 5.99% 6.01%
Virgin Money Lite Home Loan variable 70.01–80% 5.99% 6.01%
Virgin Money Lite Home Loan variable 0–60% 6.24% 6.26%
Virgin Money Lite Home Loan variable 60.01–70% 6.24% 6.26%
Virgin Money Lite Home Loan variable 70.01–80% 6.24% 6.26%
Virgin Money Loaded Home Loan variable 0–60% 6.29% 6.58%
Virgin Money Loaded Home Loan variable 0–60% 6.29% 6.58%
Virgin Money Loaded Home Loan variable 0–60% 6.29% 6.58%
Virgin Money Loaded Home Loan variable 60.01–70% 6.34% 6.63%
Virgin Money Loaded Home Loan variable 70.01–80% 6.34% 6.63%
Virgin Money Loaded Home Loan variable 60.01–70% 6.34% 6.63%
Virgin Money Loaded Home Loan variable 70.01–80% 6.34% 6.63%
Virgin Money Loaded Home Loan variable 60.01–70% 6.34% 6.63%
Virgin Money Loaded Home Loan variable 70.01–80% 6.34% 6.63%
Virgin Money Lite Home Loan fixed 2y 0–60% 6.39% 6.08%
Virgin Money Lite Home Loan fixed 2y 60.01–70% 6.39% 6.08%
Virgin Money Lite Home Loan fixed 2y 70.01–80% 6.39% 6.08%
Virgin Money Loaded Home Loan fixed 2y 0–60% 6.39% 6.60%
Virgin Money Loaded Home Loan fixed 2y 60.01–70% 6.39% 6.64%
Virgin Money Loaded Home Loan fixed 2y 70.01–80% 6.39% 6.64%
Virgin Money Lite Home Loan fixed 3y 80.01–90% 6.54% 6.59%
Virgin Money Lite Home Loan variable 80.01–90% 6.54% 6.56%
Virgin Money Loaded Home Loan fixed 3y 80.01–90% 6.54% 6.86%
Virgin Money Lite Home Loan fixed 2y 80.01–90% 6.59% 6.61%
Virgin Money Lite Home Loan variable 80.01–90% 6.59% 6.61%
Virgin Money Loaded Home Loan fixed 2y 80.01–90% 6.59% 6.87%
Virgin Money Loaded Home Loan variable 80.01–90% 6.59% 6.87%
Virgin Money Lite Home Loan fixed 3y 90.01–95% 7.19% 7.97%
Virgin Money Lite Home Loan fixed 3y 95.01–100% 7.19% 7.97%
Virgin Money Loaded Home Loan fixed 3y 90.01–95% 7.19% 9.02%
Virgin Money Loaded Home Loan fixed 3y 95.01–100% 7.19% 9.02%
Virgin Money Lite Home Loan fixed 2y 90.01–95% 7.34% 8.10%
Virgin Money Lite Home Loan fixed 2y 95.01–100% 7.34% 8.10%
Virgin Money Loaded Home Loan fixed 2y 90.01–95% 7.34% 9.26%
Virgin Money Loaded Home Loan fixed 2y 95.01–100% 7.34% 9.26%
Virgin Money Lite Home Loan fixed 1y 90.01–95% 7.49% 8.22%
Virgin Money Lite Home Loan fixed 1y 95.01–100% 7.49% 8.22%
Virgin Money Loaded Home Loan fixed 1y 90.01–95% 7.49% 9.50%
Virgin Money Loaded Home Loan fixed 1y 95.01–100% 7.49% 9.50%

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

ProductTypeLVR RateComparison
Virgin Money Lite Home Loan fixed 2y 0–60% 6.39% 6.08%
Virgin Money Lite Home Loan fixed 2y 60.01–70% 6.39% 6.08%
Virgin Money Lite Home Loan fixed 2y 70.01–80% 6.39% 6.08%
Virgin Money Lite Home Loan variable 0–60% 6.39% 6.17%
Virgin Money Lite Home Loan variable 60.01–70% 6.39% 6.32%
Virgin Money Loaded Home Loan fixed 2y 70.01–80% 6.39% 6.63%
Virgin Money Lite Home Loan variable 0–60% 6.39% 6.32%
Virgin Money Lite Home Loan variable 60.01–70% 6.39% 6.17%
Virgin Money Loaded Home Loan fixed 2y 0–60% 6.39% 6.59%
Virgin Money Loaded Home Loan fixed 2y 60.01–70% 6.39% 6.63%
Virgin Money Loaded Home Loan variable 0–60% 6.39% 6.60%
Virgin Money Loaded Home Loan variable 0–60% 6.39% 6.60%
Virgin Money Loaded Home Loan variable 0–60% 6.39% 6.60%
Virgin Money Lite Home Loan fixed 3y 70.01–80% 6.44% 6.13%
Virgin Money Lite Home Loan variable 70.01–80% 6.44% 6.20%
Virgin Money Lite Home Loan fixed 3y 60.01–70% 6.44% 6.13%
Virgin Money Lite Home Loan variable 70.01–80% 6.44% 6.34%
Virgin Money Loaded Home Loan fixed 3y 60.01–70% 6.44% 6.64%
Virgin Money Loaded Home Loan fixed 3y 70.01–80% 6.44% 6.64%
Virgin Money Loaded Home Loan variable 60.01–70% 6.44% 6.65%
Virgin Money Loaded Home Loan variable 70.01–80% 6.44% 6.65%
Virgin Money Lite Home Loan fixed 3y 80.01–90% 6.54% 6.59%
Virgin Money Loaded Home Loan fixed 3y 80.01–90% 6.54% 6.85%
Virgin Money Lite Home Loan fixed 2y 80.01–90% 6.59% 6.61%
Virgin Money Loaded Home Loan fixed 2y 80.01–90% 6.59% 6.87%
Virgin Money Lite Home Loan variable 80.01–90% 6.74% 6.67%
Virgin Money Lite Home Loan variable 80.01–90% 6.74% 6.64%
Virgin Money Loaded Home Loan variable 80.01–90% 6.79% 6.94%
Virgin Money Lite Home Loan fixed 2y 90.01–95% 7.24% 8.08%
Virgin Money Lite Home Loan fixed 2y 95.01–100% 7.24% 8.08%
Virgin Money Loaded Home Loan fixed 2y 90.01–95% 7.24% 9.24%
Virgin Money Loaded Home Loan fixed 2y 95.01–100% 7.24% 9.24%
Virgin Money Lite Home Loan fixed 3y 90.01–95% 7.39% 8.04%
Virgin Money Lite Home Loan fixed 3y 95.01–100% 7.39% 8.04%
Virgin Money Loaded Home Loan fixed 3y 90.01–95% 7.39% 9.08%
Virgin Money Loaded Home Loan fixed 3y 95.01–100% 7.39% 9.08%
Virgin Money Lite Home Loan fixed 4y 90.01–95% 7.74% 8.10%
Virgin Money Lite Home Loan fixed 4y 95.01–100% 7.74% 8.10%
Virgin Money Lite Home Loan fixed 5y 90.01–95% 7.74% 8.06%
Virgin Money Lite Home Loan fixed 5y 95.01–100% 7.74% 8.06%

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 line on Sunday 16 August. Every line is read each morning and has come back the same since.

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

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: Saturday 12 September
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 ↗

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. Same place. 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. What this site collects.

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

Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.