A premium home loan complete with 100% offset and a competitive rate. Get to your property destination faster while saving on interest.
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 |
|---|---|---|---|---|---|
| 8.45% | 6.45% | Variable · owner occupied · principal and interest · LVR 70% or less | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 6.55% | Variable · owner occupied · principal and interest · LVR 70% or less | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 6.60% | Variable · owner occupied · principal and interest · LVR 70%–80% | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 6.70% | Variable · owner occupied · principal and interest · LVR 70%–80% | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 7.00% | Variable · owner occupied · principal and interest · LVR 80%–90% | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 6.90% | Variable · owner occupied · principal and interest · LVR 80%–90% | First home buyers | CDR | 1 Nov 2026 |
| 8.45% | 7.35% | Variable · owner occupied · principal and interest · LVR 90%–95% | First home buyers | 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/4200-0111- Content hash
sha256 0acc961a5d8010a21021d6535ae8f5f15635755eac3a5e5df6ae6d3012bb88b6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0acc961a5d8010a2_8913aaadShow details
- Checked
- 1 Nov 2026
- URL
https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0111- Content hash
sha256 0acc961a5d8010a21021d6535ae8f5f15635755eac3a5e5df6ae6d3012bb88b6- 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 |
| Top-Up establishment fee | Event | $450.00 |
| 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. | |
| Offset | Offset your interest to save. Save on the amount of interest you pay and reduce your loan term by offsetting the combined balances of your Great Southern Bank everyday accounts with a free 100% Multi-Account Offset facility. You must maintain a minimum balance of $500 in each offset account to obtain the benefit of the offset from that account. Your offset account will not earn any interest. | |
| 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: max age | 40 | Between 18 and 40 years of age |
| Eligibility: residency status | You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank | |
| Eligibility: other | A first home buyer (at least one applicant) | |
| 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 |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 8.45% | 6.70% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 8.45% | 6.55% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 8.45% | 6.45% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 8.45% | 7.00% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 8.45% | 6.60% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 8.45% | 7.35% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 8.45% | 6.90% |
*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 |
|---|---|---|
eligibility:first-home-buyer | First home buyers | Filter; shown in the row |
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