OnlineVirgin Money Lite Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.01%p.a.
Monthly repayment
$2,995
LVR 70–80%
Virgin Money Home Loan Rates
Online
Active products
49
Lowest variable
5.99%
Lowest fixed
6.24%
Lowest comparison
5.92%
Last updated
28 July 2026
Virgin Money Australia is owned by Bank of Queensland and operates as an online challenger brand. Its Reward Me Home Loan offers Velocity Frequent Flyer points on settlement and ongoing balance, plus tiered offset and redraw on eligible packages. Virgin's pricing is typically aggressive on lower-LVR refinancers.
What is the lowest Virgin Money home loan rate?
The lowest Virgin Money variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.24% p.a. These figures come from the 48 Virgin Money products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Virgin Money offer?
Ratesniffers currently tracks 48 Virgin Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Virgin Money home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor P&I | 5.99% p.a. | 6.01% p.a. | 100% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 5.93% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.29% p.a. | 5.98% p.a. | 100% |
| Fixed 2-year Investor P&I | 6.39% p.a. | 6.08% p.a. | 100% |
| Fixed 2-year Investor interest-only | 6.39% p.a. | 6.08% p.a. | 100% |
| Variable Investor interest-only | 6.44% p.a. | 6.20% p.a. | 100% |
| Fixed 3-year Investor interest-only | 6.44% p.a. | 6.13% p.a. | 100% |
| Fixed 3-year Investor P&I | 6.44% p.a. | 6.13% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 6.45% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.29% p.a. | 6.47% p.a. | 100% |
48 Virgin Money home loan products
OnlineOnlineVirgin Money Lite Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
—
Monthly repayment
$3,075
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
—
Monthly repayment
$3,092
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
—
Monthly repayment
$3,124
LVR 70–80%
OnlineVirgin Money Lite Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.45%p.a.
Monthly repayment
$3,075
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.47%p.a.
Monthly repayment
$3,092
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
—
Monthly repayment
$3,157
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,108
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,124
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,124
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.65%p.a.
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.65%p.a.
Monthly repayment
$3,141
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
—
Monthly repayment
$3,223
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
—
Monthly repayment
$3,290
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
—
Monthly repayment
$3,323
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.09%p.a.
Comparison*
—
Monthly repayment
$3,357
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.19%p.a.
Comparison*
—
Monthly repayment
$3,391
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
7.87%p.a.
Comparison*
—
Monthly repayment
$3,624
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
8.42%p.a.
Comparison*
8.45%p.a.
Monthly repayment
$3,816
LVR 70–80%
Negotiate Virgin Money rates with a broker
Advertised rates aren't always the rate Virgin Money actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Virgin Money?
Virgin Money Australia is a digital-first lender fully owned by the Bank of Queensland Group, operating as one of the group's three consumer brands alongside BOQ and ME Bank. Its home loans are funded on BOQ's banking licence but priced and serviced under the Virgin brand.
It runs an online-only service model with no branches, and its home-loan range is known for rewards-linked features and low-deposit options within the group's credit policy.
Who suits a Virgin Money home loan?
Virgin Money tends to suit digitally comfortable borrowers who want challenger-brand pricing with a licensed bank group behind it. Because BOQ prices its three brands separately, the same borrower can get different offers under BOQ, ME or Virgin Money, so compare all three and the wider table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Virgin Money home loans: frequently asked questions
What is the lowest Virgin Money home loan rate?
Virgin Money's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.24% p.a., based on the 48 Virgin Money products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Virgin Money approves, a broker can often negotiate a sharper deal on your scenario.
How does Virgin Money's home loan rate compare to the market?
Virgin Money's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts Virgin Money among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Virgin Money sits right now rather than a fixed snapshot.
How many home loan products does Virgin Money offer?
Ratesniffers currently tracks 49 Virgin Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 48 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Virgin Money competitive for refinancing?
It depends on your loan size and LVR. Virgin Money's lowest comparison rate is currently 5.92% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Virgin Money against the sharpest available rate usually pays off.
How often are Virgin Money's home loan rates updated?
Ratesniffers refreshes Virgin Money's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Virgin Money reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Virgin Money rates by borrower and loan type
The same Virgin Money panel, filtered to the scenario you're actually shopping for.
- Virgin Money owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Virgin Money investor ratesInvestment lending, interest-only where offered.
- Virgin Money refinance ratesRefinance-eligible products versus your current rate.
- Virgin Money first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Virgin Money fixed rates1 to 5-year terms where available.
- Virgin Money variable ratesFlexible repayments, offset-compatible products.
- Virgin Money interest-only ratesIO terms, mostly investor products.
- Virgin Money offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.