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 90%
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 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
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Owner Occupier | Principal & Interest | < 90% | $150,000 | |
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Owner Occupier | Interest Only | < 90% | $150,000 | |
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Investor | Principal & Interest | < 80% | $150,000 | |
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Investor | Interest Only | < 80% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | < 90% | $40,000 | |
|
|
Owner Occupier | Interest Only | < 90% | $40,000 | |
|
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Investor | Principal & Interest | < 90% | $40,000 | |
|
|
Investor | Interest Only | < 90% | $40,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 90%
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 < 90%
Loan: $40,000
If you’re in the market for a home loan package then cast your eyes over Greater Bank's Ultimate Home Loan (Package). Not only does this loan offer competitive variable rates, it's packed full of money-saving features like fee-free extra repayments, a 100% offset account and discounts on Greater Bank transaction accounts, credit cards and more.
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:
First home buyers may also appreciate the fact that they'll be able to access the loan with a deposit as low as (max. 90% LVR), though lenders mortgage insurance may be required with lower deposits.
Want to pay off your home loan off faster? You’ll have access to a range of flexible features with the 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 packaged loan 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 or bank account without paying an annual fee, plus you'll be able to access 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.
This loan isn't without its costs. The major one is the $395 annual service fee, but there are also one-off settlement ($180) and discharge fees ($300).
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2.75% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.19% 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 - free |
|
|
$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.
|
2.85% p.a. |
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|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.29% 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 |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$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.
|
2.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.23% 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 - free |
|
|
$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.
|
2.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.33% 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 - free |
|
|
$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.
|
3.71% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.13% 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 - free |
|
|
$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.
|
3.81% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.23% 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 - free |
|
|
$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.
|
4.09% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.50% 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 - free |
|
|
$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.
|
4.19% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.60% 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 |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$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.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a. variable
2.46% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% p.a.
Qudos Bank
Fixed Rate Home Loan
4.19% p.a.
fixed 3 years
3.11% p.a.
Heritage Bank
Fixed Rate Loan (Home Advantage)
4.49% p.a.
fixed 3 years
3.32% p.a.
loans.com.au
Smart Booster Home Loan
2.10% p.a.variable for 24 months and then 2.50% p.a.
2.46% 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.
