Compare home loans
Packed with perks, loaded with rewards and built to flex with you. Compare home loans and see what's possible.
Need to calculate a rate that fits your life?
Buying your first place, giving your current loan a glow-up, or chasing that next property? We’ve got a loan to match your vibe.
Choose a home loan that fits
We make things simple, especially when it comes to home loan comparisons, so you know you’re getting the right deal for you.
We'll even throw in a discounted interest rate based on the size of your loan and loan-to-value ratio.
Lite home loan
Get the lowdown on rates. We’ve got rates for investors and owner-occupiers. We make it easy to compare Australian home loan interest rates.{sub-heading}
Find out more
Owner-occupier
Variable rate
<$150k
Interest rate
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Comparison rate
(% p.a.)+
Owner-occupier
Variable rate
>$150k
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Fixed rate
LVR 80.01% to 90%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Fixed rate
LVR less than or equal to 80%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Variable rate
<$150k
The minimum amount that can be borrowed is $20,000.00
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)*
Investor
Variable rate
>$150k
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Fixed rate
LVR less than or equal to 80%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Fixed rate
LVR 80.01% to 90%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Loaded home loan
Get great-value rates on owner-occupied and investment Loaded Home Loans – plus the flexibility to shape your loan around your life.
Find out more
Owner-occupier
Variable rate
<$150k
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Variable rate
>$150k–$400k
Interest rate
(% p.a.)+
Comparison rate
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Owner-occupier
Variable rate
>$400k–$700k+
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Fixed rate
LVR less than or equal to 60%
The minimum amount that may be borrowed is $20,000
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Fixed rate
LVR 60.01% to 80%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Owner-occupier
Fixed rate
LVR 80.01% to 90%
The minimum amount that can be borrowed it $20,000.00
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Variable rate
<$150k
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Variable rate
<$150k–$400
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)*
Investor
Variable rate
>$400k–$700k
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Variable rate
>$700k+
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Fixed rate
LVR less than or equal to 60%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Fixed rate
LVR 60.01% to 80%
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Investor
Fixed rate
LVR 80.01%–90%
Please note: The minimum amount that may be borrowed is $20,000.00
Interest rate
(% p.a.)+
Comparison rate
(% p.a.)+
Want to talk to a home loan specialist?
Our experts have got your back. They’re on hand to guide you through every step of the journey.
Frequently asked questions
If you can’t find the answer to your question, no stress, there’s more support available. {sub-heading}
What is redraw?
How much can I borrow for my home loan?
The amount you can borrow is based on your income and expenses. Use our calculator tool to work how much you’ll be able to borrow.
How do variable interest rates work?
A variable interest rate is a rate that could move up and down at any time. The variable interest rate a bank offers could be affected by a number of factors, including the official cash rate set by the Reserve Bank of Australia (RBA) as well as higher or lower funding costs for the lender.
You can use a Mortgage Repayment Calculator to estimate repayments and interest charges over the life of a loan.
Should I choose a variable or fixed rate?
How do I access my account?
You can access your account on the Virgin Money app.
Download the Virgin Money app, or join online, and sign up in minutes. Literally.
(Have your favourite type of Australian ID handy.)
Does Virgin Money offer different home loan products I can compare?
Yes. There are two main home loan products:
- Lite Home Loan – streamlined with no annual or setup fees, earns 1,000 Virgin Money Points monthly, and includes redraw and split-rate options.
- Loaded Home Loan – a feature-packed package with 2,000 monthly points, offset account access, split-rate flexibility, and a settlement bonus of 2,000 points per $10,000 borrowed.
How do I request a key fact sheet?
Useful links
Check out our home loans and learn how to make the most of your Virgin Money accounts.{sub-heading}
Home loan products
Other Virgin Money products
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Contact Us
Need a hand? We’re here for it. Reach out whenever– we’re ready to help, no matter the question.
Important information
Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, AFSL and Australian Credit Licence 244 616 is the credit provider for the Lite and Loaded Home Loans.
Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (“Virgin Money Australia”) promotes and distributes the Reward Me home loans as an authorised credit representative of BOQ. Virgin Money Australia is a wholly-owned but non-guaranteed subsidiary of BOQ.
+Interest rates are current as at 29 May 2025 and are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
*Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
View Virgin Money home loan key facts sheet
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- Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by Virgin Money at assessment), multiplied by 100. The LVR value compares the amount you have owning on your home loan against the actual value of your property. For example, if your property was valued at $400,000 and your loan amount was $340,000, your LVR would be 85%.