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Emergency relief package

In response to the devastating bushfires throughout NSW and QLD, we’re offering a range of relief solutions for our customers in affected areas, effective immediately.

Ultimate

Ultimate

Our ultimate in loans. Great if you need other products such as everyday or offset accounts, and you want the flexibility of a fixed or variable rate, or both.

Great Rate

Great Rate

A Great Rate Home Loan from Greater Bank is a low interest rate home loan that's easy to use. With low interest, no monthly or annual fees, you could save thousands of dollars! 

Line of Credit

Line of Credit

Want to get the equity in your home or residential property working harder for you? Our Line of Credit Loan might be just the ticket, whether you’re interested in renovating, investing, or just after more flexibility. 

Investment Ultimate

Investment Ultimate

Looking for the ultimate in Investment Loans? You've found it.

Investment Great Rate

Investment Great Rate

With low interest rates and no monthly or annual fees, we've made investment simple.

Find the Home Loan for you

At Greater Bank, we like to see our customers achieve the financial dream of owning their home sooner.  That’s why we’re confident we’ve got the right loan to suit your needs.  We offer great value and our loans are easy to use.

Ultimate Home Loan Great Rate Home Loan Line of Credit Investment Ultimate Home Loan Investment Great Rate Home Loan
Great if you want Great if you want A packaged home loan with a low rate and added benefits Great if you want A low-rate no-frills home loan Great if you want Continuous credit facility to access the equity in your home Great if you want A great value loan to invest in property Great if you want A simple, no-nonsense investment loan with competitive rates
Interest Rate Interest Rate 2.99% p.a. Interest Rate 2.99% p.a. Interest Rate 4.85% p.a. Interest Rate 3.39% p.a. Interest Rate 3.39% p.a.
Comparison Interest Rate^ Comparison Interest Rate^ 3.83% p.a. Comparison Interest Rate^ 3.55% p.a. Comparison Interest Rate^ N.A. Comparison Interest Rate^ 4.31% p.a. Comparison Interest Rate^ 4.07% p.a.
Rate detail Rate detail 5 year fixed Rate detail 5 year fixed Rate detail Variable Rate detail 3 year fixed Rate detail 3 year fixed
Interest Only Available Interest Only Available Interest Only Available Interest Only Available N/A Interest Only Available Interest Only Available
Fixed Rates Available Fixed Rates Available Fixed Rates Available Fixed Rates Available Fixed Rates Available Fixed Rates Available
Minimum Deposit Required Minimum Deposit Required 5% of purchase price Minimum Deposit Required 5% of purchase price Minimum Deposit Required 10%-15% dependant on security taken Minimum Deposit Required 10% of purchase price Minimum Deposit Required 10% of purchase price
Maximum Loan Term Maximum Loan Term 30 years Maximum Loan Term 30 years Maximum Loan Term N/A Maximum Loan Term 30 years Maximum Loan Term 30 years
Parental Guarantee Available Parental Guarantee Available Parental Guarantee Available Parental Guarantee Available Parental Guarantee Available Parental Guarantee Available
Property Location Property Location NSW, ACT & QLD Property Location NSW, ACT & QLD Property Location NSW, ACT & QLD Property Location NSW, ACT & QLD Property Location NSW, ACT & QLD
Multiple Offset Accounts Multiple Offset Accounts Multiple Offset Accounts Multiple Offset Accounts Multiple Offset Accounts Multiple Offset Accounts
Free Redraw Free Redraw Unlimited Free Redraw Unlimited Free Redraw Unlimited Free Redraw Unlimited Free Redraw Unlimited
Additional Repayments Additional Repayments Additional Repayments Additional Repayments Additional Repayments Additional Repayments
Split Loan Option Split Loan Option Split Loan Option Split Loan Option Split Loan Option Split Loan Option
Can be used for Land & Construction Can be used for Land & Construction Can be used for Land & Construction Can be used for Land & Construction Can be used for Land & Construction Can be used for Land & Construction
Refinance Refinance Refinance Refinance Refinance Refinance
Fast Refi Fast Refi Fast Refi Fast Refi Fast Refi Fast Refi
Available if Self Employed Available if Self Employed Available if Self Employed Available if Self Employed Available if Self Employed Available if Self Employed
Repayment Holiday Repayment Holiday Repayment Holiday Repayment Holiday Repayment Holiday Repayment Holiday
Ongoing fee Ongoing fee $395 p.a. Package fee Ongoing fee Ongoing fee $10 per month Ongoing fee $395 p.a. Package fee Ongoing fee
How to apply How to apply Enquire online How to apply Enquire online How to apply Enquire online How to apply Enquire online How to apply Enquire online
Learn more Learn more Learn more Learn more Learn more

Use our calculators

Home Loan Borrowing Power Calculator

Home Loan Repayments Calculator

Home Loan Comparison Calculator

Stamp Duty Calculator

Further loan options

After something more specific? Our Greater Bank lending experts may be able to help

  • Construction and Land Loans

    Greater Bank’s Construction Loans let you borrow up to 95% of the combined value of your house and land – regardless of whether you’re building your home whilst purchasing the land, or are building on land you own.  

  • Reverse Mortgages

    Whether you're thinking about Aged Care for a loved one, or just want to maintain your retirement lifestyle, a Reverse Mortgage may be the right option for you.

Refinance/Switch to Greater Bank

How do I switch?

We make it easy to get a better deal on your home loan. Our expert lenders will hold your hand through every step of our simple process – you don’t even need to speak to your current bank.

Why should I Switch?

At Greater Bank, we don’t have shareholders – we're customer owned. We reinvest our profits into providing better value products and personalised service. How does this compare to your current lender?

Just the facts on some important changes that impact Credit products

Over the next year, a progressive range of reforms will take place that will impact Australian Financial Institutions. To help explain these changes and what they may mean for you, Greater Bank has developed some key facts to keep you informed.

 

Cover your asset

For most of us, our home is the biggest investment we will ever make. Doesn’t it make sense to protect the one thing we’ve put so much time, money and effort into?

# Owner Occupied Rates: If you are in advance on your loan and have enough funds to continue meeting your regular minimum payment, it is possible to reduce the amount you're paying or even stop your repayments altogether. There is no approval required and no fees that apply so you can take a repayment holiday whenever you have sufficient additional payments available to do so. * Fees, charges, terms and conditions apply to all loans.  Comparison Rate Schedules are available at your local branch.  Conditions apply.  Please read our Terms and Conditions for more information. ^ Comparison rate is based on $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate. † Discounted rates include a discount on our Great Rate Home Loan and Ultimate Home Loan (applications of $150,000 or over) and Home Loans with an LVR 90% or below and applies to new loans only. Does not apply to additional borrowings. Interest only facilities, including new Line of credit facilities, will attract a 0.10% p.a. premium above disclosed Principal & Interest rates applicable to existing facilities. Existing facilities are unaffected. Special Offer is not available on Line of Credit Loan. ǂ Maximum Loan to Valuation Ratio quoted for Owner Occupied Loans only. 

Enquire About A Home Loan

If you are after some more information, a loan pre-approval or are ready to apply for a home loan, start a conversation with a Greater Bank lending expert today to help you get what you want sooner.