Virgin Money Australia

Virgin Money Lite Home Loan

Virgin Money Australia · residential mortgages

Provider last updated this product 2026-07-21.

Go to provider You'll complete your application on Virgin Money Australia's website. Confirm the rate and fees with them before applying.

As published by the lender

Headline rates - from 5.84% to 8.71%The lender publishes several headline rates; which one applies is the lender's decision.

Lending rates

Type	Rate	Comparison^	Purpose	Repayment	Fixed term	Applies to	Interest
FIXED	7.39%	8.04%	INVESTMENT	INTEREST ONLY	36 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 95% to 100%
FIXED	6.29%	5.98%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 0% to 60%
FIXED	6.44%	6.13%	INVESTMENT	INTEREST ONLY	36 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 60% to 70%
FIXED	6.29%	5.98%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 60% to 70%
FIXED	7.24%	8.08%	INVESTMENT	INTEREST ONLY	24 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 90% to 95%
FIXED	7.19%	7.61%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 90% to 95%
FIXED	7.19%	7.66%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 95% to 100%
FIXED	7.19%	7.61%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 95% to 100%
FIXED	6.39%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 60% to 70%
FIXED	6.59%	6.61%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 80% to 90%
FIXED	6.39%	6.08%	INVESTMENT	INTEREST ONLY	24 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 60% to 70%
FIXED	6.39%	6.08%	INVESTMENT	INTEREST ONLY	24 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 70% to 80%
FIXED	6.44%	6.13%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 70% to 80%
FIXED	6.54%	6.59%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 80% to 90%
FIXED	7.19%	7.97%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 90% to 95%
FIXED	6.54%	6.41%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 80% to 90%
FIXED	7.34%	8.10%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 90% to 95%
FIXED	7.34%	8.10%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 95% to 100%
FIXED	6.44%	6.13%	INVESTMENT	INTEREST ONLY	36 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 70% to 80%
FIXED	6.24%	5.93%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 60% to 70%
FIXED	6.44%	6.13%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 0% to 60%
FIXED	7.19%	7.97%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 95% to 100%
FIXED	6.44%	6.13%	INVESTMENT	INTEREST ONLY	36 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 0% to 60%
FIXED	6.24%	5.93%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 0% to 60%
FIXED	6.29%	5.98%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	36 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 36M - LVR 70% to 80%
FIXED	6.39%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 70% to 80%
FIXED	6.54%	6.59%	INVESTMENT	INTEREST ONLY	36 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 80% to 90%
FIXED	6.59%	6.61%	INVESTMENT	INTEREST ONLY	24 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 80% to 90%
FIXED	7.39%	8.04%	INVESTMENT	INTEREST ONLY	36 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 36M - LVR 90% to 95%
FIXED	6.24%	5.93%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 70% to 80%
FIXED	6.59%	6.41%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 80% to 90%
FIXED	7.24%	8.08%	INVESTMENT	INTEREST ONLY	24 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 95% to 100%
FIXED	7.19%	7.66%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	24 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 24M - LVR 90% to 95%
FIXED	6.39%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	24 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 24M - LVR 0% to 60%
FIXED	6.44%	6.13%	INVESTMENT	PRINCIPAL AND INTEREST	36 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 36M - LVR 60% to 70%
FIXED	6.39%	6.08%	INVESTMENT	INTEREST ONLY	24 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 24M - LVR 0% to 60%
FIXED	7.19%	6.52%	INVESTMENT	INTEREST ONLY	60 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 70% to 80%
FIXED	6.69%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 0% to 60%
FIXED	7.19%	6.52%	INVESTMENT	INTEREST ONLY	60 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 60% to 70%
VARIABLE	5.99%	6.01%	INVESTMENT	PRINCIPAL AND INTEREST	-	$150,000+, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k
VARIABLE	5.99%	6.01%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR up to 60%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k
FIXED	7.09%	6.49%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 70% to 80%
FIXED	7.09%	6.41%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 70% to 80%
FIXED	7.09%	6.49%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 0% to 60%
FIXED	7.19%	6.44%	INVESTMENT	INTEREST ONLY	48 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 0% to 60%
FIXED	7.19%	6.44%	INVESTMENT	INTEREST ONLY	48 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 60% to 70%
FIXED	6.79%	6.09%	INVESTMENT	INTEREST ONLY	12 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 70% to 80%
VARIABLE	6.44%	6.20%	INVESTMENT	INTEREST ONLY	-	$150,000+, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k
VARIABLE	6.39%	6.17%	INVESTMENT	INTEREST ONLY	-	LVR up to 60%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k
FIXED	7.19%	6.44%	INVESTMENT	INTEREST ONLY	48 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 70% to 80%
FIXED	6.69%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 60% to 70%
FIXED	6.79%	6.09%	INVESTMENT	INTEREST ONLY	12 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 0% to 60%
FIXED	7.09%	6.49%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 60% to 70%
FIXED	7.09%	6.41%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 0% to 60%
FIXED	6.69%	6.08%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 70% to 80%
FIXED	6.79%	6.09%	INVESTMENT	INTEREST ONLY	12 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 60% to 70%
VARIABLE	5.99%	6.01%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 70% - 80%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k
FIXED	7.19%	6.52%	INVESTMENT	INTEREST ONLY	60 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 0% to 60%
VARIABLE	6.39%	6.17%	INVESTMENT	INTEREST ONLY	-	$150,000+, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k
FIXED	7.09%	6.41%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 60% to 70%
FIXED	6.79%	6.44%	OWNER OCCUPIED	INTEREST ONLY	24 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 80% to 90%
VARIABLE	8.42%	6.99%	OWNER OCCUPIED	INTEREST ONLY	-	$150,000+, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance >=$150k
VARIABLE	8.69%	7.40%	OWNER OCCUPIED	INTEREST ONLY	-	LVR 80% - 90%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k
FIXED	7.44%	7.75%	OWNER OCCUPIED	INTEREST ONLY	12 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 90% to 95%
FIXED	7.09%	7.48%	OWNER OCCUPIED	INTEREST ONLY	60 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 90% to 95%
FIXED	7.64%	7.74%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 95% to 100%
VARIABLE	8.42%	6.99%	OWNER OCCUPIED	INTEREST ONLY	-	LVR up to 60%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance >=$150k
FIXED	7.09%	5.98%	OWNER OCCUPIED	INTEREST ONLY	12 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 60% to 70%
FIXED	6.89%	7.60%	OWNER OCCUPIED	INTEREST ONLY	24 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 95% to 100%
FIXED	6.49%	5.92%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 70% to 80%
FIXED	7.79%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 90% to 95%
VARIABLE	6.54%	6.56%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 80% - 90%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k
FIXED	6.99%	6.65%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 80% to 90%
VARIABLE	8.29%	8.31%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 90% - 95%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k
FIXED	7.79%	8.07%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 95% to 100%
VARIABLE	5.84%	5.86%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	LVR up to 60%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance >=$150k
VARIABLE	8.49%	8.40%	INVESTMENT	INTEREST ONLY	-	$150,000+, LVR 95% - 100%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k
FIXED	7.19%	6.43%	OWNER OCCUPIED	INTEREST ONLY	60 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 70% to 80%
FIXED	7.49%	8.22%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 90% to 95%
FIXED	7.09%	7.48%	OWNER OCCUPIED	INTEREST ONLY	60 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 95% to 100%
FIXED	7.19%	6.43%	OWNER OCCUPIED	INTEREST ONLY	60 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 0% to 60%
FIXED	7.09%	5.98%	OWNER OCCUPIED	INTEREST ONLY	12 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 70% to 80%
FIXED	7.79%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 95% to 100%
FIXED	6.89%	7.46%	OWNER OCCUPIED	INTEREST ONLY	48 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 95% to 100%
FIXED	7.79%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 95% to 100%
VARIABLE	6.24%	6.26%	INVESTMENT	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k
VARIABLE	8.45%	8.47%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR up to 60%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k
FIXED	6.89%	6.32%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 60% to 70%
FIXED	7.74%	8.10%	INVESTMENT	INTEREST ONLY	48 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 90% to 95%
VARIABLE	8.71%	8.73%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 90% - 95%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance less than$150k
FIXED	6.89%	6.32%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 70% to 80%
VARIABLE	6.39%	6.32%	INVESTMENT	INTEREST ONLY	-	LVR 60% - 70%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k
VARIABLE	6.74%	6.67%	INVESTMENT	INTEREST ONLY	-	LVR 80% - 90%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance >=$150k
VARIABLE	6.59%	6.61%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 80% - 90%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k
FIXED	7.74%	8.06%	INVESTMENT	INTEREST ONLY	60 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 90% to 95%
VARIABLE	6.44%	6.34%	INVESTMENT	INTEREST ONLY	-	$20,000 - $149,999, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k
FIXED	6.99%	6.26%	OWNER OCCUPIED	INTEREST ONLY	48 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 0% to 60%
FIXED	6.99%	6.26%	OWNER OCCUPIED	INTEREST ONLY	48 months	$20,000+, LVR 70% - 80%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 70% to 80%
FIXED	6.99%	6.26%	OWNER OCCUPIED	INTEREST ONLY	48 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 60% to 70%
VARIABLE	5.84%	5.86%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$150,000+, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k
VARIABLE	6.24%	6.26%	INVESTMENT	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k
FIXED	6.89%	6.32%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 0% to 60%
VARIABLE	8.42%	6.99%	OWNER OCCUPIED	INTEREST ONLY	-	$150,000+, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance >=$150k
FIXED	6.79%	6.04%	OWNER OCCUPIED	INTEREST ONLY	24 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 70% to 80%
VARIABLE	8.71%	8.73%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 95% - 100%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k
VARIABLE	5.84%	5.86%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$150,000+, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k
VARIABLE	8.69%	8.72%	OWNER OCCUPIED	INTEREST ONLY	-	$20,000 - $149,999, LVR 90% - 95%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k
VARIABLE	8.49%	8.40%	INVESTMENT	INTEREST ONLY	-	$20,000 - $149,999, LVR 95% - 100%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k
FIXED	7.74%	8.06%	INVESTMENT	INTEREST ONLY	60 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 95% to 100%
VARIABLE	8.49%	8.40%	INVESTMENT	INTEREST ONLY	-	$150,000+, LVR 90% - 95%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k
FIXED	7.79%	8.11%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 95% to 100%
FIXED	7.49%	8.22%	INVESTMENT	PRINCIPAL AND INTEREST	12 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 12M - LVR 95% to 100%
VARIABLE	8.42%	8.45%	OWNER OCCUPIED	INTEREST ONLY	-	LVR 60% - 70%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 60% to 70% - Balance less than$150k
FIXED	6.84%	6.41%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 80% to 90%
FIXED	7.19%	6.83%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 80% to 90%
FIXED	6.59%	6.06%	OWNER OCCUPIED	INTEREST ONLY	36 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 70% to 80%
VARIABLE	7.77%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	LVR 95% - 100%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k
VARIABLE	6.24%	6.26%	INVESTMENT	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR up to 60%	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k
VARIABLE	8.69%	8.20%	OWNER OCCUPIED	INTEREST ONLY	-	$150,000+, LVR 95% - 100%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance >=$150k
FIXED	7.74%	8.10%	INVESTMENT	INTEREST ONLY	48 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 95% to 100%
FIXED	7.34%	6.46%	OWNER OCCUPIED	INTEREST ONLY	12 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 80% to 90%
FIXED	7.19%	6.87%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 80% to 90%
FIXED	6.79%	6.04%	OWNER OCCUPIED	INTEREST ONLY	24 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 0% to 60%
FIXED	7.44%	7.75%	OWNER OCCUPIED	INTEREST ONLY	12 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 95% to 100%
VARIABLE	7.77%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	LVR 90% - 95%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k
FIXED	6.79%	6.04%	OWNER OCCUPIED	INTEREST ONLY	24 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 60% to 70%
FIXED	6.89%	7.60%	OWNER OCCUPIED	INTEREST ONLY	24 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 24M - LVR 90% to 95%
FIXED	6.89%	7.46%	OWNER OCCUPIED	INTEREST ONLY	48 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 90% to 95%
FIXED	6.59%	6.06%	OWNER OCCUPIED	INTEREST ONLY	36 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 0% to 60%
FIXED	6.99%	6.65%	INVESTMENT	INTEREST ONLY	12 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 80% to 90%
VARIABLE	6.39%	6.32%	INVESTMENT	INTEREST ONLY	-	$20,000 - $149,999, LVR up to 60%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k
VARIABLE	8.49%	8.40%	INVESTMENT	INTEREST ONLY	-	LVR 90% - 95%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 90% to 95% - Balance less than$150k
FIXED	6.79%	6.52%	OWNER OCCUPIED	INTEREST ONLY	48 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 48M - LVR 80% to 90%
VARIABLE	8.42%	8.45%	OWNER OCCUPIED	INTEREST ONLY	-	LVR up to 60%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 0% to 60% - Balance less than$150k
VARIABLE	8.71%	8.73%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	LVR 80% - 90%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k
VARIABLE	8.29%	8.31%	INVESTMENT	PRINCIPAL AND INTEREST	-	$150,000+, LVR 90% - 95%	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$150k
VARIABLE	8.69%	8.72%	OWNER OCCUPIED	INTEREST ONLY	-	LVR 80% - 90%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k
FIXED	7.79%	7.79%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 90% to 95%
FIXED	6.49%	6.40%	OWNER OCCUPIED	INTEREST ONLY	36 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 80% to 90%
FIXED	7.79%	8.25%	INVESTMENT	INTEREST ONLY	12 months	LVR 95% - 100%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 95% to 100%
FIXED	6.59%	7.44%	OWNER OCCUPIED	INTEREST ONLY	36 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 90% to 95%
VARIABLE	8.69%	8.20%	OWNER OCCUPIED	INTEREST ONLY	-	$150,000+, LVR 90% - 95%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 90% to 95% - Balance >=$150k
FIXED	7.64%	7.74%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 90% to 95%
FIXED	6.59%	6.06%	OWNER OCCUPIED	INTEREST ONLY	36 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 60% to 70%
FIXED	6.59%	7.44%	OWNER OCCUPIED	INTEREST ONLY	36 months	$20,000+, LVR 95% - 100%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 36M - LVR 95% to 100%
FIXED	6.49%	5.92%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	$20,000+, LVR 60% - 70%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 60% to 70%
FIXED	7.79%	8.25%	INVESTMENT	INTEREST ONLY	12 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 12M - LVR 90% to 95%
VARIABLE	8.45%	8.47%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 60% - 70%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k
VARIABLE	8.42%	8.45%	OWNER OCCUPIED	INTEREST ONLY	-	LVR 70% - 80%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 70% to 80% - Balance less than$150k
FIXED	7.79%	8.11%	INVESTMENT	PRINCIPAL AND INTEREST	48 months	LVR 90% - 95%, $20,000+	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 48M - LVR 90% to 95%
FIXED	7.19%	6.43%	OWNER OCCUPIED	INTEREST ONLY	60 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 60% to 70%
FIXED	6.89%	6.24%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	LVR 70% - 80%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 70% to 80%
VARIABLE	6.34%	6.36%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	LVR 80% - 90%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k
VARIABLE	8.69%	8.72%	OWNER OCCUPIED	INTEREST ONLY	-	LVR 95% - 100%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Interest Only, VARIABLE - LVR 95% to 100% - Balance less than$150k
VARIABLE	8.29%	8.31%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 95% - 100%, $20,000 - $149,999	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance less than$150k
FIXED	7.29%	6.91%	INVESTMENT	INTEREST ONLY	60 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 60M - LVR 80% to 90%
FIXED	7.14%	6.65%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 80% to 90%
FIXED	6.49%	5.92%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	12 months	LVR up to 60%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 12M - LVR 0% to 60%
FIXED	7.09%	5.98%	OWNER OCCUPIED	INTEREST ONLY	12 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 12M - LVR 0% to 60%
FIXED	6.89%	6.24%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	$20,000+, LVR up to 60%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 0% to 60%
FIXED	7.14%	6.71%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	60 months	LVR 80% - 90%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 60M - LVR 80% to 90%
FIXED	6.89%	6.24%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	48 months	LVR 60% - 70%, $20,000+	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Principal and Interest, 48M - LVR 60% to 70%
VARIABLE	8.29%	8.31%	INVESTMENT	PRINCIPAL AND INTEREST	-	LVR 95% - 100%, $150,000+	calculated daily, paid monthly
VARIABLE Rate, Investment, Principal and Interest, VARIABLE - LVR 95% to 100% - Balance >=$150k
FIXED	7.79%	8.07%	INVESTMENT	PRINCIPAL AND INTEREST	60 months	$20,000+, LVR 90% - 95%	calculated daily, paid monthly
FIXED Rate, Investment, Principal and Interest, 60M - LVR 90% to 95%
FIXED	6.99%	6.63%	OWNER OCCUPIED	INTEREST ONLY	60 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Owner Occupied, Interest Only, 60M - LVR 80% to 90%
VARIABLE	6.74%	6.64%	INVESTMENT	INTEREST ONLY	-	$20,000 - $149,999, LVR 80% - 90%	calculated daily, paid monthly
VARIABLE Rate, Investment, Interest Only, VARIABLE - LVR 80% to 90% - Balance less than$150k
VARIABLE	8.45%	8.47%	OWNER OCCUPIED	PRINCIPAL AND INTEREST	-	$20,000 - $149,999, LVR 70% - 80%	calculated daily, paid monthly
VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k
FIXED	7.29%	6.86%	INVESTMENT	INTEREST ONLY	48 months	$20,000+, LVR 80% - 90%	calculated daily, paid monthly
FIXED Rate, Investment, Interest Only, 48M - LVR 80% to 90%

Fees

Fee	Type	Amount	Details
Valuation Fee (for post-settlement variations)	EVENT	$300	At cost for valuations costs in excess of $300
Paper Statement Fee	PERIODIC	$4	$4 every 6 months & for copies / interim statements
Valuation Fee (for new applications)	EVENT	$300	At cost for valuations costs in excess of $300
Settlement Fee	UPFRONT	$150	Payable for completing settlement of your loans
Vouchers and other records for searching - Privacy Act	EVENT	$66	each hour (GST inclusive) Privacy Act - access request
Top up Fee	VARIATION	$150	Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase
Security Release Fee	EXIT	$350	Payable when we agree (at your request) to discharge a security.
Mortgagee Sale Fee	EVENT	$400	Charged for each property we hold as security for a loan facility where the lender commences mortgagee sale procedures (whether or not a sale is completed).
Vouchers and other records for searching - General search	EVENT	$60	each hour (minimum $30) General search of records
Legal Review Fees - Standard	EVENT	$350	Payable for each document that the Lender is required to review, amend or prepare and which is categorised by the Lender as a standard document. A standard document may include but is not limited to: - review of a consent document, power of attorney or a caveat; or - amendment or preparation of a consent document, deed of covenant, confidentiality agreement,cross guarantee and indemnity, deed of subordination, fixed charge or a deed of priority.
Late Payment Fee	LATE_PAYMENT	$30	Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date.
Substitution of Security Fee	VARIATION	$300	Payable if we agree to substitute one security for another security
Rate Lock Fee	UPFRONT	$750	Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
Variation Fee	VARIATION	$300	Charged for any variations made to the loan that need documentation
Application Fee	UPFRONT	$0	Payable for processing application of your loans. Charged at settlement

Rate history

Rate Comparison rate

The figures behind this chart

From	Until	Rate	Comparison
2026-07-15	2026-09-30 (current)	5.84%	5.86%

Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.

Features

extra repaymentsdigital bankingredrawloyalty program

Split home loans
Interest Only and P&I repayment options
Up to 95% LVR (including LMI) for P&I loans
Weekly, Fortnightly frequencies for all P&I loans. Monthly repayment frequency only for IO loans.
Up to 90% LVR (excluding LMI) for IO loans
Ability to Rate Lock
Fixed and Variable interest rates

Who can apply

residency status - Resident or CitizenBe an Australian citizen or permanent resident or resident for tax purposes with an Australian residential address.
natural personBe applying in personal name(s) with acceptable credit history – not as a company or a trust.
min age - 18Be aged 18 years or older.
otherLooking to purchase a home or have an existing home loan with a residential property in Australia.
otherCross-Collateralisation is not supported. We can only accept single security applications.
otherEarn a regular PAYG income (for example self-employed applicants are excluded and cannot earn a foreign income for tax purposes).

Limits

min lvr - 0.0000000000Minimum LVR
max lvr - 1.0000000000Maximum LVR

The provider's own documents

Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.

Last updated by data holder: 2026-07-21T22:29:12Z · Product ID: 5bc12280-2272-ee11-8179-6045bd3d38f0