To apply online, you must be
- At least 18 years of age.
- A permanent resident of Australia.
- Applying for yourself or as a married/de facto couple.
- Buying an existing property or refinancing.
Putting customers first for 75 years
Get clever with your finances
Multi award-winning products
HOME LOANS
Great home loans
Refinance to us and get:
- Competitive rates
- Fee-free extra repayments
- Smart tools and clever features to help you own your home sooner
Basic Variable Home Loan
Discounted rates from
6.14
%
p.a.
Comparison rate^
6.20
%
p.a.
Find out more
Owner occupier, principal & interest. Includes discount on new and additional lending, LVR 70% or less. Minimum loan amount applies.1,2,3
Get clever with Great Southern Bank
Smart tools to make home ownership easier.
If owning is your goal, we’ll help get your savings on a roll.
Save your deposit faster with our clever tools and features.
Hide your savings with The Vault.
Cleverly reduce the temptation to dip into your savings.
Mortgage need enhancing? Get clever refinancing.
Smart ways to pay off your home loan sooner.
Trusted by Australians for over 75 years.
Always very approachable, helpful, and willing to offer assistance when needed. Above that, you’re still able to remain competitive in a tough market! Thank you!
Colin, SA
Great Southern Bank customer
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Important Information
Loans are issued by Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions, and fees apply. Applications are subject to credit approval. Rates current as at 29 November 2023 and subject to change.
Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.
1 Discounts off the Basic Variable Reference Rate are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000; and the application is unconditionally approved on or after 29 November 2023. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary based on the loan purpose (owner occupier or investor), repayment type (principal and interest, interest only, construction) and Loan to Value Ratio (LVR). Maximum LVR applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.
2 Great Southern Bank may withdraw or amend this offer at any time without notice. A change in your loan purpose, your repayment type or your loan product will permanently end your entitlement to the discount.
3 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%. We calculate your LVR at the time we approve your loan and your discount won’t change because of changes to the LVR during the life of your loan.
^ Comparison rate accurate for $150,000 secured loan 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 other loan amounts might result in a different comparison rate.
#Offer includes $0 Establishment Fee and is open to new or existing customers applying for a minimum application amount of $100,000 or more. Excludes applications for Internal Refinance of existing facilities. Applications must be received between 31/08/2022 and 29/02/2024 and settled by 31/05/2024. To be eligible to apply online you must be at least 18 years of age, a permanent resident of Australia, applying for yourself or as a married/defacto couple and buying an existing property or refinancing. Great Southern Bank may withdraw or amend this offer at any time without notice.
The Outstanding Value – Excellent Credit Personal Loans Award considers only borrowers with an excellent credit profile (See Canstar’s Personal Loans Awards methodology at Our Current Star Ratings & Awards | Canstar for more information).
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