Home loan rates › Great Southern Bank
Basic Variable Investment Construction
Great Southern Bank
Save with a Great Southern Bank Basic Variable Home Loan. It’s a simple, competitive rate home loan with no monthly or annual fees and the ability to make unlimited 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 |
|---|---|---|---|---|---|
| 8.78% | 6.65% | Variable · investment · interest only · LVR 70% or less | Construction | CDR | 1 Nov 2026 |
| 8.78% | 6.55% | Variable · investment · interest only · LVR 70% or less | Construction | CDR | 1 Nov 2026 |
| 8.78% | 6.80% | Variable · investment · interest only · LVR 70%–80% | Construction | CDR | 1 Nov 2026 |
| 8.78% | 6.70% | Variable · investment · interest only · LVR 70%–80% | Construction | CDR | 1 Nov 2026 |
| 8.78% | 6.95% | Variable · investment · interest only · LVR 80%–90% | Construction | CDR | 1 Nov 2026 |
| 8.78% | 7.05% | Variable · investment · interest only · LVR 80%–90% | Construction | 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/4800-0211- Content hash
sha256 597fe1c2d7a41e14e642d582fd4ba10c6c1636cc5ebd06e78d4d7d2d30349279- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_597fe1c2d7a41e14_510aa52fShow details
- Checked
- 1 Nov 2026
- URL
https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4800-0211- Content hash
sha256 597fe1c2d7a41e14e642d582fd4ba10c6c1636cc5ebd06e78d4d7d2d30349279- 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 |
| 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 | Reach your property goal sooner. Enjoy the flexibility of being able to make unlimited extra repayments without penalty. | |
| 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: other | Application for Home Loans are subject to credit approval | |
| 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 | 0.90 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 8.78% | 7.05% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 8.78% | 6.95% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 8.78% | 6.70% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 8.78% | 6.65% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 8.78% | 6.80% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 8.78% | 6.55% |
*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 |
|---|---|---|
purpose:construction | Construction | Left out of the standard home loan table |
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