RBA Cash Rate: 3.85% · 1AUD = 0.65 USD · Inflation: 2.4%  

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New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.18% (5.63%*) • Home Loan Fixed: 4.74% (5.58%*) • Fixed: 4.74% (5.58%*) • Variable: 5.18% (5.63%*) • Investment IO: 5.14% (5.48%*) • Investment PI: 4.99% (5.68%*)

  Virgin Money Lite Home Loan

Virgin Money Lite Home Loan
Category: Home Loans  Last Updated June 25, 2025  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT Interest Only product. Additional Information Fixed Rate, Investment, Interest Only, 5 Years - LVR 0% to 60%
Interest Rate
5.14% PA
Comparison Rate
5.48%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.07%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.44%, Comparison Rate 7.30%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 7.92%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 8.19%, Comparison Rate 8.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.14%, Comparison Rate 5.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.88%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 8.21%, Comparison Rate 8.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.05%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 7.92%, Comparison Rate 7.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 7.95%, Comparison Rate 7.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Balance
Minimum: $150000.00 Maximum: $
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.54%, Comparison Rate 5.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 5.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Balance
Minimum: $150000.00 Maximum: $
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 5.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 5.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.39%, Comparison Rate 5.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 5.89%, Comparison Rate 5.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 7.95%, Comparison Rate 7.97%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 5.78%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 7.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 5.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 5.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.89%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.14%, Comparison Rate 5.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Balance
Minimum: $150000.00 Maximum: $
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 5.80%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 7.92%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Balance
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 7.92%, Comparison Rate 7.95%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.20%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Balance
Minimum: $150000.00 Maximum: $
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.19%, Comparison Rate 6.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 5.84%, Comparison Rate 5.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.64%, Comparison Rate 5.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.44%, Comparison Rate 5.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.14%, Comparison Rate 5.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate 5.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 5.54%, Comparison Rate 5.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 7.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 5.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 7.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 7.30%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 5.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.14%, Comparison Rate 5.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 5.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 5.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 5.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.49%, Comparison Rate 5.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 5.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 7.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Balance
Minimum: $150000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 7.79%, Comparison Rate 7.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Balance
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.21%, Comparison Rate 8.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Balance
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.19%, Comparison Rate 8.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Balance
Minimum: $150000.00 Maximum: $
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.99%, Comparison Rate 7.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Balance
Minimum: $150000.00 Maximum: $
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.19%, Comparison Rate 7.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Balance
Minimum: $150000.00 Maximum: $
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.27%, Comparison Rate 7.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Balance
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.79%, Comparison Rate 7.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Balance
  • Lending Rate Type: Variable
  • Interest Rate: 7.99%, Comparison Rate 7.90%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Split home loans
  • Other Additional Information: Interest Only and P&I repayment options
  • Digital Banking Additional Information: A digital experience through a mobile app
  • Other Additional Information: Unlimited additional payments for variable loans and upto $10k additional repayments for Fixed home loans
  • Redraw Additional Information: Redraw of repaid principal above minimum required is available on variable rate loans
  • Other Additional Information: Up to 95% LVR (including LMI) for P&I loans
  • Other Additional Information: Weekly, Fortnightly frequencies for all P&I loans. Monthly repayment frequency only for IO loans.
  • Loyalty Program Additional Information: Ongoing monthly points
  • Other Additional Information: Up to 90% LVR (excluding LMI) for IO loans
  • Other Additional Information: Ability to Rate Lock
  • Other Additional Information: Fixed and Variable interest rates

 Product Eligibility

  • Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident or resident for tax purposes with an Australian residential address.
  • Natural Person Additional Information: Be applying in personal name(s) with acceptable credit history – not as a company or a trust.
  • Min Age - 18. Additional Information: Be aged 18 years or older.
  • Other Additional Information: Looking to purchase a home or have an existing home loan with a residential property in Australia.
  • Other Additional Information: Cross-Collateralisation is not supported. We can only accept single security applications.
  • Other Additional Information: Earn a regular PAYG income (for example self-employed applicants are excluded and cannot earn a foreign income for tax purposes).

 Bank Fees and Charges

  • Paper Statement Fee (Periodic), Amount: 4.0000. Additional Information: $4 every 6 months & for copies / interim statements
  • Vouchers And Other Records For Searching - Privacy Act (Event), Amount: 66.0000. Additional Information: each hour (GST inclusive) Privacy Act - access request
  • Top Up Fee (Event), Amount: 150.0000. Additional Information: Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase
  • Security Release Fee (Event), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.
  • Mortgagee Sale Fee (Event), Amount: 400.0000. Additional Information: 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), Amount: 60.0000. Additional Information: each hour (minimum $30) General search of records
  • Legal Review Fees - Standard (Event), Amount: 350.0000. Additional Information: 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 (Event), Amount: 30.0000. Additional Information: 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 (Event), Amount: 300.0000. Additional Information: Payable if we agree to substitute one security for another security
  • Settlement Fee (Upfront), Amount: 150.0000. Additional Information: Payable for completing settlement of your loans
  • Application Fee (Upfront), Amount: 0.0000. Additional Information: Payable for processing application of your loans. Charged at settlement
  • Rate Lock Fee (Event), Amount: 750.0000. Additional Information: Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period.
  • Valuation Fee (for New Applications) (Upfront), Amount: 300.0000. Additional Information: At cost for valuations costs in excess of $300
  • Valuation Fee (for Post-settlement Variations) (Event), Amount: 300.0000. Additional Information: At cost for valuations costs in excess of $300
  • Variation Fee (Event), Amount: 300.0000. Additional Information: Charged for any variations made to the loan that need documentation

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