Home loan rates › Great Southern Bank
5 year Fixed Rate OO P&I
Great Southern Bank
Lock in your interest rate for 1, 2, 3 or 5 years with our fixed rate home loan and know what your repayments will be. Plus, pay off your loan sooner with free extra repayments.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.80% | 7.65% | Fixed · 5 years · owner occupied · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.90% | 7.70% | Fixed · 5 years · owner occupied · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7502- Content hash
sha256 3927299e730b667f6e535dd94c3d1e3863cd7db1007f095a4b5fe9f6b8aebc15- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_3927299e730b667f_ce33aa0eShow details
- Checked
- 1 Nov 2026
- URL
https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7502- Content hash
sha256 3927299e730b667f6e535dd94c3d1e3863cd7db1007f095a4b5fe9f6b8aebc15- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront per plan | $600.00 |
| Telegraphic transfer fee within Australia | Event | $35.00 |
| Account Information Fee | Event | $20.00 |
| Valuation fee | Event | Set in your letter of offer |
| Home Guarantee Scheme LMI Premium | Event | Set in your letter of offer |
| Arrears Letter Fee | Event | $22.00 |
| Default Notice Fee | Event | $33.00 |
| Split Loan Fee | Event | $300.00 |
| Fixed rate lock fee | Event | $600.00 |
| Early Payout Cost (EPC) | Event | Set in your letter of offer |
| Monthly Account Keeping Fee | Periodic | $0.00 |
| Monthly Fee | Periodic | $0.00 |
| Debt Collection Fee | Event | Set in your letter of offer |
| Security Adminstration Fee | Upfront | $235.00 |
| Discharge Fee | Exit | $500.00 |
| Redraw Fee | Event | $0.00 |
| Production Fee | Event | $100.00 |
| Re-documentation Fee | Event | $300.00 |
| Variation Fee | Event | $300.00 |
| Government fees and charges | Upfront | Set in your letter of offer |
| Solicitors costs | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Enjoy free redraw. Access your additional home loan repayments with redraw, so you can use it whenever you need some breathing space. A $200 minimum withdrawal amount applies for redraws conducted in-branch. | |
| Other | $0 Monthly or annual fees. | |
| Digital banking | Wherever you are in the world, Great Southern Bank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want. | |
| Guarantor | A guarantor is someone who promises to repay money that is owed to us under a loan, if for some reason the borrower doesn’t. | |
| Extra repayments | Up to $30,000 in total extra payments permitted during the fixed rate period. A daily transfer will refund any amounts paid in advance in excess of the total advance repayments allowed during the fixed rate period unless sufficient to pay out the loan in full (in which case an Early Payout Cost may apply). Excess funds will be transferred to the nominated deposit account, which must remain open for the fixed rate period. | |
| Cashback offer | 2000.00 | $2,000 cashback for eligible loans from $400,000 to $699,999. Available for eligible external refinance and investor home loans applied for directly with Great Southern Bank.Terms and eligibility criteria apply. |
| Cashback offer | 3000.00 | $3,000 cashback for eligible loans of $700,000 or more. Available for eligible external refinance and investor home loans applied for directly with Great Southern Bank.Terms and eligibility criteria apply. |
| Eligibility: residency status | You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank | |
| Eligibility: min age | 18 | To be 18 or over |
| Eligibility: natural person | Applications are for individuals and personal use purposes only. | |
| Limit: max limit | 5000000.00 | |
| Limit: min limit | 100000.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min lvr | 0.01 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.80% | 7.65% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.90% | 7.70% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
rate-selected-by-free-text | Reason this product is not ranked | |
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