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Get clever with a Great Southern Bank Home Loan

Who wouldn’t want $3,000+ cashback simply for refinancing their home loan? Not only that, we'll even waive the establishment fee (usually $600).

The $3,000 cashback is available for new refinance applications on the following basis:
1. Owner-occupier or investor loans received between 02/08/2021 and 31/01/2022, and settled by 30/04/2022
2. Minimum home loan refinancing amount of $250,000 or more with a maximum loan to value ratio of 80%

Terms and conditions apply+

$3,000+ cashback to spend however you please
Switch to one of our eligible home loans and we'll pay $3,000 into your Great Southern Bank everyday account on settlement. You can put it towards paying off your loan, or however else you please. It’s up to you!
$0 establishment fee
No need to pay the establishment fee, saving a further $600. Another reason to refinance your home loan with us.
Competitive rates
Whether you're looking for an owner-occupier or investor loan, you can be sure our rates are competitive.
Flexible repayment options
Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.
Free redraw
Life happens sometimes. With free redraw, you can access your additional repayments whenever you need a little breathing space.1
Simple home loan options
Including splitting between fixed and variable rates to get the best of both worlds.

Trusted by Australians for over 75 years

From small beginnings as a credit union to Australia's largest customer-owned bank. Helping people manage their finances is in our DNA.

We've won awards for our work but our true passion is in our purpose. Helping everyday Australians own their own home.

“Wayne was an absolute champ during the whole process! Always letting me know what I needed to do and answering all the dumb questions I had!”

Take the next step

Let us help you bring your property dreams to life. You can get started by speaking to a specialist or applying online today.

Speak to a specialist
Fill out our online enquiry form and one of our Home Loan specialists will get back to you to start the process.
Apply online
Get started on your home loan application today.
Mortgage need enhancing?
Get clever refinancing.
Smart ways to pay off your home loan sooner.

Frequently asked questions

When do I receive the $3,000 cashback?
Within one business day of having the loan funded.
Can the $3,000 be transferred to any account?
We will credit the $3,000 to the nominated settlement account linked to your home loan.
Can I claim the $3,000 cashback on more than one home loan?
The $3,000 cashback will be paid once per application, regardless of the number of loans, properties or applicants. If you are bringing across more than one home loan and they can stand alone in separate applications, you will be eligible to receive the $3,000 cashback for each.
Connect to a Home Loan Specialist
We are here to help.

Speak to one of our Home Loan Specialists via live online chat.

Fill out our online enquiry form and one of our Home Loan Specialists will get back to you to start the process.

Mon - Fri: 8:00am - 8:00pm (AEST)
Sat: 8:00am - 4:00pm (AEDT)

Discover our home loans

Basic Variable Home Loan

Our low variable rate plus handy features to help you pay your home off sooner.

Offset Variable Home Loan

100% offset home loan.

Fixed Rate Home Loan

Low fixed rate plus the flexibility to pay up to $5,000 in additional repayments during the fixed term.

Still deciding? We can help you find the right loan

Compare our home loans
See all calculators
Important Information

Great Southern Bank is 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. Consider the disclosure documents and terms, conditions before making a decision.

+ $3,000 cashback is for new owner occupier or investor refinance home loan applications received between 02/08/2021 and 31/01/2022 and settled by 30/04/2022. Offer not available for switching of a home loan that you already have with us. Minimum home loan refinancing amount of $250,000 and maximum 80% loan to value ratio. Limit of one $3,000 cashback per application (regardless of number of loans e.g. split loans, security properties or applicants). Equity lines of credit, bridging loans, construction loans and business loans not eligible. Great Southern Bank may withdraw or amend this offer at any time without notice.

1A $200 minimum withdrawal amount applies for redraws conducted in-branch.

Full terms and conditions available at: greatsouthernbank.com.au/refinance-terms