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Great If:

You're looking for a great value loan to invest in property

You want extra products designed to make life easier

You want a fixed or variable rate, or both

Key Features:

Flexible repayments, with no establishment fee
A range of competitive rates to suit your Loan to Value Ratio (LVR)
Flexible loan terms up to 30 years^. Avoid Lender's Mortgage Insurance with a deposit of 20% or more
Fee-Free Everyday Banking account, with a waived Annual Credit Card Fee on your linked Greater Bank Visa Credit Card
Free online & mobile banking with real-time payments via PayID & Osko by BPAYⓇ
Insurance discounts
Apply for Investment Ultimate Home Loan It’s just that simple! Make an enquiry

I want to

  • Renovate my home

    Maybe after many years, your house is a little rough around the edges. We’re right behind motivated property-owners looking to better their home.

  • Refinance your home loan

    Firstly, thanks for considering us for your Home Loan. Home Loans are at the core of Greater Bank and we like to think we’re the experts. 

Stamp Duty Calculator

Avoid disappointment and know what costs you'll be facing when you buy your first or next home.

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Repayments Calculator

Work out what your minimum monthly repayments would be on your Greater Bank Home Loan.

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Know your Borrowing Power

Find out how much you can borrow based on your salary and existing financial commitments.

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Make an Enquiry

At Greater Bank, we don’t think you should have to move heaven and earth just to get a home loan. That’s why we’ve made the application process as simple as possible with three easy steps.

  • 1

    Get in touch

    Contact us online, over the phone or in your local branch so that we can give you all the information you need to meet with one of our lending experts.

     

    Enquire Online
    Get in touch with us on 1300 721 253
  • 2

    Meet and Apply

    We’ll organise a time for you to meet with your local lender so they can guide you through the application process.

    We Can even come to you!

  • 3

    Approval

    We’ll do all the hard work from here. Your lender will complete your paperwork and notify you once your loan has been approved. 

    Kickstart your home loan application today

Interest Rates

Rates are effective as at 9am Monday 12/04/2021

 

All Housing Loans have a base rate. The applicable base rate will depend on whether you select a standard or discounted housing loan and also the repayment type you select – Principal and Interest (P&I) or Interest Only (IO).

For P&I loans, margins may apply to the applicable base rates. For new IO loans, currently a 0.10% p.a. margin above the applicable base rates will apply. The base rates are set out below and the all up interest rate which includes any margins, will be set out in your credit contract.

 

Investment Ultimate Housing Loan Base Rate (P&I)* Discounted Rate ($150K+ & LVR ≤80%)  # Comparison Rate ^~
Variable 2.99 % p.a. 3.42 % p.a.

 

Investment Ultimate Housing Loan Base Rate (P&I)* Interest Rate Comparison Rate ^~
Variable 3.84 % p.a. 4.25 % p.a.
1 Year Fixed 2.19 % p.a. 4.10 % p.a.
2 Years Fixed 2.29 % p.a. 3.98 % p.a.
3 Years Fixed 2.39 % p.a. 3.88 % p.a.
4 Years Fixed 2.79 % p.a. 3.90 % p.a.
5 Years Fixed 2.69 % p.a. 3.79 % p.a.

 

 

Use our calculators

How much can I borrow for my home loan?

How long does it take to pay off a home loan?

Home Loan Comparison Calculator

Stamp Duty Calculator

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?

Important details:

Conditions, fees and charges apply to all loans. Subject to meeting Greater Bank's lending criteria. Greater Bank Limited ABN 88 087 651 956. AFSL/Australian credit licence No. 237476.
~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.
^Comparison rate is based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
#Discounted rates include a discount on Home Loans of $150,000 or over and Home Loans with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.
+ Additional costs may apply to fixed rate loans.
All new interest only home loans, attract a 0.10% p.a. margin above the applicable Principal and Interest base rate. All new Line of Credit home loans, attract a 0.10% p.a. margin above the applicable Line of Credit base rate. The all up interest rate which includes any margins, will be set out in your credit contract. View our Terms and Conditions.
*77.13% of Greater Bank home loan customers were more than one month ahead of their minimum monthly repayments as at 31 December 2020.
View our Terms and Conditions.

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.