Only available for new borrowings of $300,000 or more with a maximum Loan to Value Ratio up to 80%

Only available for new borrowings of $300,000 or more with a maximum Loan to Value Ratio up to 80%

+ Available for new fixed rate Owner Occupied Principal and Interest home loan applications submitted on or after . Not available for Interest Only lending.

^ Available for new fixed Owner Occupied Principal and Interest home loan applications submitted on or after . Only available for new borrowings of $300,000 or more with a maximum Loan to Value Ration up to 60%. Not available for Interest Only lending.

Comparison payday loans in Alabama rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period

# Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of %-80%. These rates are for secured lending only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and fees are subject to change without notice. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Insurance products: Information and advice provided about our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information and advice having regard to your personal financial situation, needs and objectives, and obtain and read the relevant Product Disclosure Statement and Financial Services Guide (available for download from ) before deciding whether to buy or to continue to hold any insurance product. Virgin Car, Virgin Home & Contents Insurance, Virgin Life Insurance and Virgin Income Protection Insurance are promoted by Virgin Money (Australia) Pty Limited (Virgin Money) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Car, Home and Contents Insurances: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Virgin Life Insurance and Virgin Income Protection are promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Products are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 and, for Involuntary Unemployment Cover, St Andrew’s Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 (the insurers). TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover on behalf of the insurers as if it were the insurers.

Not available for the refinance or restructure of existing Virgin Money home loans

Credit Cards: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (“Virgin Money”) promotes and distributes the Virgin Money Credit Cards (“Credit Cards”) as the authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740, Australian credit licence 244616 (“BOQ”). Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 (“Citibank”) is the credit provider and issuer of the Credit Cards. All interest rates shown are variable. Applicants must be at least 18 years of age to apply for a credit card. Permanent residents must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to Citibank’s credit criteria.

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