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Features & benefits
Whether you’re looking for the perfect commercial space, want to expand or refinance, our low-interest business loans can help get you there and beyond.
$0 Monthly or annual fees
No unnecessary fees means more money to invest in your business.
Choose your security
Secure your loan with residential or commercial property. Or combine with a home loan and use your home equity.
Flexible loan options
Choose from variable rates or fixed rates for 1,2,3 or 5 years. Or apply for an interest only term of up to 5 years at any time.
Unlimited extra repayments
You can make extra repayments on both fixed and variable rate loans1
Free redraw
Need your extra repayments? No worries! All of our business loans come with free redraw2.

Rates & Fees

Investing in your business shouldn’t cost you extra. That's why we don't charge you unnecessary monthly fees or penalties for paying down your loan.

For full details, see the Business Schedule of Fees.

Rates*

Residential Security
Commercial Security
Variable term Loan
3.25% (Reference rate) p.a.
3.75% (Reference rate) p.a.
1 year
2.79% (Campaign rate valid until 30th June 2021) p.a.
3.29% (Campaign rate valid until 30th June 2021) p.a.
2 year
2.49% (Campaign rate valid until 30th June 2021) p.a.
2.79% (Campaign rate valid until 30th June 2021) p.a.
3 year
2.49% (Campaign rate valid until 30th June 2021) p.a.
2.79% (Campaign rate valid until 30th June 2021) p.a.
5 year
2.69%  (Campaign rate valid until 30th June 2021) p.a.
3.29% (Campaign rate valid until 30th June 2021) p.a.

*Rates are available to approved business applicants for commercial purposes only.
^ Campaign rate valid until 30th June 2021

Fees

Business term loan account keeping fee
$0
Business term loan redraw / cashback fee
$0
Loan establishment fee
From $750
Securities Administration Fee (secured loans)
$235

Other fees may apply. For a full list of all fees, please refer to our Business Schedule of Fees.

How to apply

Complete the enquiry form and one of our friendly Business Banking Specialists will contact you shortly.

Eligibility

Business overdrafts may be suitable for:

  • Sole traders
  • Partnerships
  • Companies
  • Trusts
  • Co-operatives
  • Incorporated Associations

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Equipment Finance

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Get in touch

We are here to help.
Important Information

Rates as of 13 April 2021 for Principal and Interest and Interest Only loans.

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply. Ask us for details.

*All business loans issued by Great Southern Bank must be secured by real estate:

  • Borrow up to 80% of the value of residential property and
  • up to 70% of the value of acceptable commercial property.


If you have an existing Great Southern Bank home loan, you could save on costs by using the same property as security for your business loan. Subject to eligibility, ask us for details.

1An early payout fee may apply if a fixed loan is terminated during the fixed rate period:

2 Minimum withdrawal amounts may apply for redraws conducted in-branch.