{ "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "public_base_uri": "https://api.cds.virginmoney.com.au", "logo_uri": "https://virginmoney.com.au/content/dam/virginmoney/vma-logo.gif", "status": "ok", "stale": false, "bank_last_updated": "2026-11-05T22:04:54Z", "at_a_glance": { "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.", "rates": [ {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.34,"comparison_rate_pct":6.36,"comparison_rate_at_600000_pct":6.34,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":150000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.89,"comparison_rate_pct":6.41,"comparison_rate_at_600000_pct":6.4,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.79,"comparison_rate_pct":6.45,"comparison_rate_at_600000_pct":6.43,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.84,"comparison_rate_pct":6.5,"comparison_rate_at_600000_pct":6.49,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_4","rate_pct":6.99,"comparison_rate_pct":6.6,"comparison_rate_at_600000_pct":6.58,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.99,"comparison_rate_pct":6.64,"comparison_rate_at_600000_pct":6.63,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"variable","rate_pct":8.37,"comparison_rate_pct":7.65,"comparison_rate_at_600000_pct":null,"product_label":"Loaded Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":150000,"loan_max":399999,"annual_fee":295,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_1","rate_pct":7.09,"comparison_rate_pct":6.43,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_2","rate_pct":7.09,"comparison_rate_pct":6.5,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_3","rate_pct":7.49,"comparison_rate_pct":7.04,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":80.01,"lvr_max":90,"reference_lvrs":[90],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_4","rate_pct":7.49,"comparison_rate_pct":7.09,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":80.01,"lvr_max":90,"reference_lvrs":[90],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_5","rate_pct":7.64,"comparison_rate_pct":7.21,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":80.01,"lvr_max":90,"reference_lvrs":[90],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":6.49,"comparison_rate_pct":6.51,"comparison_rate_at_600000_pct":6.49,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":150000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":7.04,"comparison_rate_pct":6.56,"comparison_rate_at_600000_pct":6.55,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.94,"comparison_rate_pct":6.6,"comparison_rate_at_600000_pct":6.58,"product_label":"Lite Home 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Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":7.14,"comparison_rate_pct":6.8,"comparison_rate_at_600000_pct":6.78,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"variable","rate_pct":6.89,"comparison_rate_pct":6.68,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home 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Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_3","rate_pct":6.99,"comparison_rate_pct":6.65,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_4","rate_pct":7.19,"comparison_rate_pct":6.76,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_5","rate_pct":7.19,"comparison_rate_pct":6.81,"comparison_rate_at_600000_pct":null,"product_label":"Lite Home Loan","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":20000,"loan_max":null,"annual_fee":null,"upfront_fees":150,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false} ], "condition_sets": { "k1": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ] }, "unranked": { "rows": 64 } }, "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages", "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "product_name": "Virgin Money Lite Home Loan", "product_label": "Lite Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "product_url_source": "feed", "terms_url": "https://virginmoney.com.au/home-loans", "terms_url_source": "feed", "description": "Virgin Money Lite Home Loan", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": null, "upfront_fees": 150, "exit_fees": 350.0, "fees": [ { "name": "Valuation Fee (for post-settlement variations)", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "At cost for valuations costs in excess of $300" }, { "name": "Paper Statement Fee", "fee_type": "PERIODIC", "amount": 4.0, "frequency": "P6M", "info": "$4 every 6 months & for copies / interim statements" }, { "name": "Valuation Fee (for new applications)", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "At cost for valuations costs in excess of $300" }, { "name": "Settlement Fee", "fee_type": "UPFRONT", "amount": 150.0, "frequency": null, "info": "Payable for completing settlement of your loans" }, { "name": "Vouchers and other records for searching - Privacy Act", "fee_type": "EVENT", "amount": 66.0, "frequency": null, "info": "each hour (GST inclusive) Privacy Act - access request" }, { "name": "Top up Fee", "fee_type": "VARIATION", "amount": 150.0, "frequency": null, "info": "Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase" }, { "name": "Security Release Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": "Payable when we agree (at your request) to discharge a security." }, { "name": "Mortgagee Sale Fee", "fee_type": "EVENT", "amount": 400.0, "frequency": null, "info": "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)." }, { "name": "Vouchers and other records for searching - General search", "fee_type": "EVENT", "amount": 60.0, "frequency": null, "info": "each hour (minimum $30) General search of records" }, { "name": "Legal Review Fees - Standard", "fee_type": "EVENT", "amount": 350.0, "frequency": null, "info": "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 doc…" }, { "name": "Late Payment Fee", "fee_type": "LATE_PAYMENT", "amount": 30.0, "frequency": null, "info": "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." }, { "name": "Substitution of Security Fee", "fee_type": "VARIATION", "amount": 300.0, "frequency": null, "info": "Payable if we agree to substitute one security for another security" }, { "name": "Rate Lock Fee", "fee_type": "UPFRONT", "amount": 750.0, "frequency": null, "info": "Payable if you request to lock in a specific fixed rate prior to the end of your current fixed rate period." }, { "name": "Variation Fee", "fee_type": "VARIATION", "amount": 300.0, "frequency": null, "info": "Charged for any variations made to the loan that need documentation" }, { "name": "Application Fee", "fee_type": "UPFRONT", "amount": 0.0, "frequency": null, "info": "Payable for processing application of your loans. Charged at settlement" } ], "fees_as_published": { "annual_fee": null, "upfront_fees": 450.0, "exit_fees": 350.0 }, "max_lvr": 100.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/5bc12280-2272-ee11-8179-6045bd3d38f0.json", "snapshot_at": "2026-11-07T00:15:10Z", "bank_last_updated": "2026-11-05T22:04:49Z", "correction": { "checked": "2026-11-07", "lvr_max": 95, "url": "https://virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k", "fees": { "upfront_fees": 150 }, "note": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "quotes": [ { "text": "Settlement fee $150 To prepare your loan documents and settle your home loan.", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan" }, { "text": "Valuation fee We will cover the valuation costs up to $300", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan" }, { "text": "90.01% to 95%", "url": "https://virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k" } ], "citations": [ { "quote": "Settlement fee $150 To prepare your loan documents and settle your home loan.", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan#:~:text=Settlement%20fee%20%24150%20To%20prepare,and%20settle%20your%20home%20loan.", "document_sha256": "b996456fab267375bd86e387d2b591b0539b6e72794d037c5aa2f724e0103df1", "confirmed": "2026-11-13" }, { "quote": "Valuation fee We will cover the valuation costs up to $300", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan#:~:text=Valuation%20fee%20We%20will%20cover,valuation%20costs%20up%20to%20%24300", "document_sha256": "b996456fab267375bd86e387d2b591b0539b6e72794d037c5aa2f724e0103df1", "confirmed": "2026-11-13" }, { "quote": "90.01% to 95%", "url": "https://virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k#:~:text=90.01%25%20to%2095%25", "document_sha256": "5a34a1b46bc0d5184c298fd0bd539638da43578332a03f50d88e590fc2c4232b", "confirmed": "2026-11-13" } ], "reconfirmed": "2026-11-13" }, "row_count": 168, "record_correction_citations": [ { "quote": "Settlement fee $150 To prepare your loan documents and settle your home loan.", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan#:~:text=Settlement%20fee%20%24150%20To%20prepare,and%20settle%20your%20home%20loan.", "document_sha256": "b996456fab267375bd86e387d2b591b0539b6e72794d037c5aa2f724e0103df1", "confirmed": "2026-11-13" }, { "quote": "Valuation fee We will cover the valuation costs up to $300", "url": "https://virginmoney.com.au/home-loans/loaded-home-loan#:~:text=Valuation%20fee%20We%20will%20cover,valuation%20costs%20up%20to%20%24300", "document_sha256": "b996456fab267375bd86e387d2b591b0539b6e72794d037c5aa2f724e0103df1", "confirmed": "2026-11-13" }, { "quote": "90.01% to 95%", "url": "https://virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k#:~:text=90.01%25%20to%2095%25", "document_sha256": "5a34a1b46bc0d5184c298fd0bd539638da43578332a03f50d88e590fc2c4232b", "confirmed": "2026-11-13" } ], "conditions": [ "variable rate discounts for new home loan applications only" ] }, { "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "product_url_source": "feed", "terms_url": "https://virginmoney.com.au/home-loans", "terms_url_source": "feed", "description": "Virgin Money Loaded Home Loan", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "fees": [ { "name": "Paper Statement Fee", "fee_type": "PERIODIC", "amount": 4.0, "frequency": "P6M", "info": "$4 every 6 months & for copies / interim statements" }, { "name": "Valuation Fee (for post-settlement variations)", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "At cost for valuations costs in excess of $300" }, { "name": "Valuation Fee (for new applications)", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "The amount of the fee, will be the fee charged by the appointed Valuer and will vary depending on the location and value of the property" }, { "name": "Settlement Fee", "fee_type": "UPFRONT", "amount": 150.0, "frequency": null, "info": "Payable for completing settlement of your loans" }, { "name": "Mortgage Sale Fee", "fee_type": "EVENT", "amount": 400.0, "frequency": null, "info": "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)." }, { "name": "Security Release Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": "Payable when we agree (at your request) to discharge a security." }, { "name": "Late Payment Fee", "fee_type": "LATE_PAYMENT", "amount": 30.0, "frequency": null, "info": "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." }, { "name": "Substitution of Security Fee", "fee_type": "VARIATION", "amount": 300.0, "frequency": null, "info": "Payable if we agree to substitute one security for another security" }, { "name": "Variation Fee", "fee_type": "VARIATION", "amount": 0.0, "frequency": null, "info": "Charged for any variations made to the 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Charged at settlement" }, { "name": "Top up Fee", "fee_type": "VARIATION", "amount": 0.0, "frequency": null, "info": "Payable when you apply to top up your loan (6 months or more after settlement) and we agree to increase" }, { "name": "Vouchers and other records for searching - Privacy Act", "fee_type": "EVENT", "amount": 66.0, "frequency": null, "info": "each hour (GST inclusive) Privacy Act - access request" }, { "name": "Legal Review Fees - Standard", "fee_type": "EVENT", "amount": 350.0, "frequency": null, "info": "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. 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\"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0888, "rate_pct": 8.88, "comparison_rate": 0.0914, "comparison_rate_pct": 9.14, "lvr_min": 0.0, "lvr_max": 60.0, "lvr_source": "correction", "loan_min": 50000.0, "loan_max": 149999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.13, "bank": 9.14 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 0% to 60% - Balance less than$150k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0664, "rate_pct": 6.64, "comparison_rate": 0.0692, "comparison_rate_pct": 6.92, "lvr_min": 60.01, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": 399999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.91, "bank": 6.92 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$150k - less than$400k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0664, "rate_pct": 6.64, "comparison_rate": 0.0692, "comparison_rate_pct": 6.92, "lvr_min": 60.01, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": 700000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.91, "bank": 6.92 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0664, "rate_pct": 6.64, "comparison_rate": 0.0692, "comparison_rate_pct": 6.92, "lvr_min": 60.01, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": 400000.0, "loan_max": 699999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.91, "bank": 6.92 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance >=$400k - less than$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.09, "rate_pct": 9.0, "comparison_rate": 0.0926, "comparison_rate_pct": 9.26, "lvr_min": 60.01, "lvr_max": 70.0, "lvr_source": "correction", "loan_min": 50000.0, "loan_max": 149999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.25, "bank": 9.26 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 60% to 70% - Balance less than$150k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; 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\"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0664, "rate_pct": 6.64, "comparison_rate": 0.0692, "comparison_rate_pct": 6.92, "lvr_min": 70.01, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 400000.0, "loan_max": 699999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.91, "bank": 6.92 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$400k - less than$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.09, "rate_pct": 9.0, "comparison_rate": 0.0926, "comparison_rate_pct": 9.26, "lvr_min": 70.01, "lvr_max": 80.0, "lvr_source": "correction", "loan_min": 50000.0, "loan_max": 149999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.25, "bank": 9.26 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance less than$150k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0717, "comparison_rate_pct": 7.17, "lvr_min": 80.01, "lvr_max": 90.0, "lvr_source": "correction", "loan_min": 700000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.16, "bank": 7.17 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0717, "comparison_rate_pct": 7.17, "lvr_min": 80.01, "lvr_max": 90.0, "lvr_source": "correction", "loan_min": 400000.0, "loan_max": 699999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.16, "bank": 7.17 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$400k - less than$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0689, "rate_pct": 6.89, "comparison_rate": 0.0717, "comparison_rate_pct": 7.17, "lvr_min": 80.01, "lvr_max": 90.0, "lvr_source": "correction", "loan_min": 150000.0, "loan_max": 399999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 7.16, "bank": 7.17 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance >=$150k - less than$400k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0886, "rate_pct": 8.86, "comparison_rate": 0.0912, "comparison_rate_pct": 9.12, "lvr_min": 80.01, "lvr_max": 90.0, "lvr_source": "correction", "loan_min": 50000.0, "loan_max": 149999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 9.11, "bank": 9.12 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 80% to 90% - Balance less than$150k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0866, "rate_pct": 8.66, "comparison_rate": 0.0893, "comparison_rate_pct": 8.93, "lvr_min": 90.01, "lvr_max": 95.0, "lvr_source": "correction", "loan_min": 700000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.93 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0866, "rate_pct": 8.66, "comparison_rate": 0.0893, "comparison_rate_pct": 8.93, "lvr_min": 90.01, "lvr_max": 95.0, "lvr_source": "correction", "loan_min": 400000.0, "loan_max": 699999.0, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": 295.0, "upfront_fees": 150, "exit_fees": 350.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 8.92, "bank": 8.93 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; \"We will cover the valuation costs up to $300\", so the set-up fee is the $150 settlement fee (checked 2026-11-07)", "variable rate discounts for new home loan applications only" ], "additional_info": "VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 90% to 95% - Balance >=$400k - less than$700k", "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0", "source_snapshot": "/au/finance/home-loans/v1/source/virgin-money/d52579cd-508e-ee11-be36-000d3a79efd0.json", "bank_last_updated": "2026-11-05T22:04:54Z" }, { "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "product_name": "Virgin Money Loaded Home Loan", "product_label": "Loaded Home Loan", "product_url": "https://virginmoney.com.au/home-loans", "terms_url": "https://virginmoney.com.au/home-loans", "record_stale": false, "record_correction": "maximum LVR 95%: the bank's rate tables stop at \"90.01% to 95%\"; 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