The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $100,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | 90%-% | $100,000 | $5,000,000 |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $5,000,000 |
| | Owner Occupier | Interest Only | 80%-90% | $100,000 | $5,000,000 |
| | Investor | Principal & Interest | < 80% | $100,000 | $5,000,000 |
| | Investor | Principal & Interest | 80%-90% | $100,000 | $5,000,000 |
| | Investor | Interest Only | < 80% | $100,000 | $5,000,000 |
| | Investor | Interest Only | 80%-90% | $100,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 90%-%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000 $5,000,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
With no ongoing fees and unlimited extra repayments, Great Southern Bank’s Basic Variable Home Loan with competitive rates from 2.39% p.a. (2.44% p.a. comparison rate*) could be a pretty good choice for all types of home buyers. Loans can start from $100,000 to as much as $5 million. It also offers flexible repayment options from weekly, fortnightly and monthly, allowing you to coordinate your payments to your pay cycle.
The Basic Variable Home Loan from Great Southern Bank is available for owner occupiers and investors looking to either buy property or refinance their current home loan with at least a 80% loan-to-value ratio. The bank does offer home loans with 85% LVR and more than 90% LVR at different rates, however those higher LVRs do not qualify for refinancing.
2.39% p.a. (2.44% p.a. comparison rate*) at 80% LVR for owner occupiers making principal and interest repayments.
Another good feature of this loan is the lack of ongoing fees - unlike some other home loans that have an annual service fee. However, this Variable Home Loan has a high one time upfront fee of $835 which covers an establishment and a security administration fee. You will need to budget for this. It also has a $500 discharge fee to consider.
For those who like making extra repayments to their loans, you'll be happy to know you can make them without any limits or penalties. Great Southern Bank’s Basic Variable Home Loan also includes a free redraw facility with no minimum or maximum redraw amount.
If you are looking to refinance your current loan, Great Southern Bank is currently offering a $3,000 cashback deal for those who have a minimum loan of $250,000 with an LVR of 80% or less. With this offer, your establishment fees will also be waived. You’ll need to apply by 31 January, 2022 and have your loan settled by 30 April, 2022. Additional conditions may apply.
This loan could be good for refinancers with a 20% or more deposit, who can take advantage of the $3,000 cashback offer (conditions apply) and get the establishment fee waived.
This loan comes with a pretty sizable upfront fees, which might not be ideal for those looking for a loan with minimal extra costs. It also has no offset account available and has a $500 discharge fee.
| 2.39% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.44% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.64% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.69% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.04% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| 90.00% | |
| none |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.84% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.52% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.04% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.76% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.64% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.69% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.94% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.89% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.79% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| Receive $3,000 cashback and have the establishment fee waived when you refinance with Great Southern Bank before 31 January 2022 and settle the loan before 30 April 2022, min lending of $250,000 and maximum 80% LVR. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.19% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.09% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $600.00 | |
| n/a | |
| n/a | |
| $235.00 | |
| n/a | |
| n/a | |
| $500.00 |
| $100,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| no | |
| none | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Applied for an add on loan, a very simple request and one that should take no time at all. After 8 weeks no decision made despite numerous calls and complaints It appears the branch manager at Castle Hill failed to submit my documents. My personal information is somewhere but no one knows where. I have been told it has escalated to management and still nothing. No one gets back to you when promised. A lot of arse covering from management and meanwhile we need funds for urgent repairs. I have been with CUA for 8 years and this is the worst I’ve seen with any bank. Time to introduce the media to their unethical management of personal and private information.
Read full reviewApplied for an add on loan, a very simple request and one that should take no time at all. After 8 weeks no decision made despite numerous calls and complaints It appears the branch manager at Castle Hill failed to submit my documents. My personal information is somewhere but no one knows where. I have been told it has escalated to management and still nothing. No one gets back to you when promised. A lot of arse covering from management and meanwhile we need funds for urgent repairs. I have been with CUA for 8 years and this is the worst I’ve seen with any bank. Time to introduce the media to their unethical management of personal and private information.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$0.00
Bank of Queensland
Economy
1.98% p.a.
2.15% p.a.
$10.00 monthly
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
