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 70%
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 70%
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 70%
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 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 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 | < 70% | $100,000 | $5,000,000 |
|
Owner Occupier | Principal & Interest | 70%-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 | 70%-80% | $100,000 | $5,000,000 |
|
Owner Occupier | Interest Only | < 70% | $100,000 | $5,000,000 |
|
Owner Occupier | Interest Only | 80%-90% | $100,000 | $5,000,000 |
|
Investor | Principal & Interest | < 70% | $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 | Principal & Interest | 70%-80% | $100,000 | $5,000,000 |
|
Investor | Interest Only | 70%-80% | $100,000 | $5,000,000 |
|
Investor | Interest Only | 80%-90% | $100,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $100,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 70%-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 70%-80%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $100,000 $5,000,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
Investor (Principal & Interest)
LVR < 70%
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 (Principal & Interest)
LVR 70%-80%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR 70%-80%
Loan: $100,000 $5,000,000
Investor (Interest Only)
LVR 80%-90%
Loan: $100,000 $5,000,000
Featuring competitive variable interest rates and a bunch of handy extras, including an offset account, the Offset Variable loan from Great Southern Bank is a home loan with a lot to like about it. And for a limited time Great Southern Bank is offering a waiver on both its establishment and securities admin fee (T&Cs apply).
Let’s start off with the basic details. The Offset Variable loan is available to owner occupiers and investors who are looking to borrow anywhere between $100,000 and $5,000,000, plus there are both principal and interest and interest-only repayment options.
The variable rates on offer depend on a number of factors including the type of borrower you are, the type of repayments you’ll be making and the loan-to-value ratio (LVR) of your loan, but currently they began at a relatively competitive:
3.79% p.a. (3.84% p.a. comparison rate*) for owner occupiers making principal and interest repayments with an LVR below 80%
4.49% p.a. (4.54% p.a. comparison rate*) for investors making principal and interest repayments with an LVR below 80%
Moving on to the loan features, Great Southern Bank gives their Offset Variable customers plenty of options, including access to (surprise, surprise) a 100% offset account, as well as the ability to make extra repayments and redraws for free. Borrowers will also have the choice between making their repayments on a weekly, fortnightly or monthly schedule.
There are some additional costs (on top of the interest rate) that borrowers will want to take into consideration though, including the establishment fee ($600), the settlement fee ($235) and the discharge fee ($500).
Great Southern Bank’s Offset Variable home loan could be an option worth considering for any borrower after a loan that offers both a full offset account and competitive variable rates.
As we mentioned above the loan does come with some relatively large one-off fees, so make sure you weigh those up against the benefits of the loan.
3.79% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.84% 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 |
|
70.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
3.89% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.94% 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 |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.59% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.64% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.84% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.90% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.84% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.19% 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 |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.74% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.09% 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 |
|
none |
|
70.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.75% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.49% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.54% 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 |
|
70.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.89% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.95% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.89% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.71% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.49% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.54% 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 |
|
70.00% |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
4.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.75% 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 |
|
70.00% |
|
80.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
5.14% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
5.05% 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 |
|
yes |
|
none |
|
$0 Establishment fee and $0 Securities Administration fee when you apply online to buy an existing property or to refinance by 31 August 2022 and settle before 30 November 2022. |
|
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.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
$0.00
Bank of Queensland
Economy
3.69% p.a.
3.85% 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.