The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $40,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $40,000 with an LVR below 85%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $150,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | |
| | Investor | Principal & Interest | < 80% | $150,000 | |
| | Investor | Interest Only | < 80% | $150,000 | |
| | Owner Occupier | Principal & Interest | < 90% | $40,000 | |
| | Owner Occupier | Interest Only | < 90% | $40,000 | |
| | Investor | Principal & Interest | < 90% | $40,000 | |
| | Investor | Interest Only | < 85% | $40,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $40,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $40,000
Investor (Principal & Interest)
LVR < 90%
Loan: $40,000
Investor (Interest Only)
LVR < 85%
Loan: $40,000
If you’re in the market for a flexible, low rate home loan package, look no further than Greater Bank's Ultimate Home Loan (Package). Not only could this home loan be a cost-effective option given it's competitive variable rate, it's also packed full of money-saving features like fee-free extra repayments and a 100% offset account. You’ll also be able to save with discounts on your Greater Bank insurance policies, plus fee waivers on eligible transaction accounts and credit cards.
The Greater Bank Ultimate Home Loan (Package) comes in a bunch of different variations depending on how much you want to borrow, your loan-to-value ratio (LVR), the type of repayments you want to make on your loan (principal and interest or interest-only) and the type of borrower you are (investor or owner occupier).
That means there are plenty of options available to suit different borrowers, but these factors will also determine the variable interest rate you'll be able to get on your loan. Currently the lowest rates are:
There are also options for first home buyers with lower deposits (max. 90% LVR), though these offers incur higher rates and will likely necessitate the borrower taking out lenders mortgage insurance.
Want to pay off your home loan off faster? You’ll have access to a range of flexible features with the variable rate Ultimate Home Loan (Package), including the ability to make extra repayments, redraws, and the use of a 100% offset account. And to tailor your loan to your budget, you can choose between monthly, fortnightly or weekly repayments.
And it wouldn’t be much of a home loan package without some extra perks. When you take out a Greater Bank Ultimate Home Loan (Package) you’ll be able to snag an eligible Greater Bank credit card without paying an annual fee, plus you'll get discounts on home and contents insurance policies.
Offering a bunch of package perks, a suite of potentially money-saving features and some competitive variable rates, the Ultimate Home Loan (Package) could be a match for borrowers after a feature-rich home loan solution.
This loan isn't without its costs. The major one is the $396 annual service fee, but there are also one-off settlement ($180) and discharge fees ($300).
2.85% p.a.
n/a
n/a
n/a
3.28% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$150,000
none
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
2.95% p.a.
n/a
n/a
n/a
3.39% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$150,000
none
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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
3.66% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$150,000
none
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
3.09% p.a.
n/a
n/a
n/a
3.52% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$150,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
3.46% p.a.
n/a
n/a
n/a
3.88% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$40,000
none
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
3.56% p.a.
n/a
n/a
n/a
3.98% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$40,000
none
none
90.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
3.84% p.a.
n/a
n/a
n/a
4.25% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$40,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
3.94% p.a.
n/a
n/a
n/a
4.35% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$180.00
n/a
$395.00 yearly
$300.00
$40,000
none
none
85.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
none
yes
$0.00
yes
yes
Legal fees charged at cost.
Fee free credit card and transaction account, insurance discounts.
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.
The bank has a lot of branches so you are able to access staff quite easy. They have not passed on all the interest rate drops on their home loan products so that is really disappointing.
Read full reviewThe bank has a lot of branches so you are able to access staff quite easy. They have not passed on all the interest rate drops on their home loan products so that is really disappointing.
The greater have lower fees and I just find them to be a really suitable bank.
Read full reviewThe greater have lower fees and I just find them to be a really suitable bank.
Good friendly service, just like the old days.
Read full reviewGood friendly service, just like the old days.
Greater Bank offers a range of personal and business banking products around a quarter of a million customers in NSW and Queensland. Its products include savings and investment accounts, home loans, personal loans, credit cards, business banking, financial planning, travel money and insurance. Greater Bank is owned by its customers, not shareholders, and has a focus on providing great rates, low fees and superior service.
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.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% 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.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% 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.
$0.00
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.
