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Score up to $3,000 cashback+ plus a great low rate!

Interest rate 5.49 %# p.a.
Comparison rate 5.50 %^ p.a.
#Discounted Great Rate Home Loan variable rate, owner occupied, principal and interest

Online cashback of $2,500 for eligible loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. See Online Cashback Offer T&Cs.+++

Get up to $3,000 cashback+

Apply online

Get up to $3,000 cashback+++ when you apply online.
Save time with our 15 min application.
Enjoy one of the most competitive home loan rates in the market.
No paperwork or payslips required — just a smooth, hassle-free process.
Fast, secure and 100% online application.

Online cashback of $2,500 for eligible loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. See Online Cashback Offer T&Cs.+++

online application Apply online in 15 mins

Speak to a lender

Get up to $2,500 cashback++ when refinancing.
Talk to an expert lender who understands your goals.
Backed by our award-winning customer service.
Benefit from the knowledge and experience of an expert.
Available over the phone or in person.

$2,000 cashback for eligible loans $250-$499k or $2,500 for loans ≥$500k. 80% LVR or less. See Cashback Offer T&Cs.++

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Compare mortgage rates

Compare 4 products
Great Rate Home Loan
Perfect if you’re after great value and no ongoing fees.
Ultimate Home Loan
Our ultimate in loans. Offering the flexibility of fixed or variable rate, or a mixture of both.
Ultimate Investment Home Loan
Combining great value with a range of features designed to make investing easier.
Great Rate Investment Home Loan
With low-interest rates and no monthly or annual fees, we've made investing simple.
Interest rate 5.49 %# p.a.
Comparison rate 5.50 %^ p.a.
#Discounted Great Rate Home Loan variable rate, owner occupied, principal and interest
Interest Rate 4.99 %~ p.a.
Comparison rate 7.08 %^ p.a.
~2 year fixed Ultimate Home Loan rate, owner occupied, principal and interest
Interest rate 5.09 %~ p.a.
Comparison rate 7.39 %^ p.a.
~2 year fixed Ultimate Investment Home Loan rate, principal and interest
Interest rate 5.09 %~ p.a.
Comparison rate 7.21 %^ p.a.
~2 year fixed Great Rate Investment Home Loan rate, principal and interest
Key Features
Great if you want a low-rate no-frills home loan.
Key Features
Great if you want a packaged home loan with a low rate and added benefits.
Key Features
Great if you want a great value packaged loan to invest in property.
Key Features
Great if you want a simple, no-nonsense investment loan with competitive rates.

Interest only available

Fixed rates available

Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years

Parental guarantee available

Property location
NSW, ACT & QLD

Multiple offset accounts

Free redraw online

Additional repayments

Split loan option

Can be used for land & construction (variable rates only)

Can be used for refinance

FASTRefi®

Available if self employed

Repayment holiday

Ongoing fee

Interest only available

Fixed rates available

Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years

Parental guarantee available

Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.

Free redraw online

Additional repayments

Split loan option

Can be used for land & construction (variable rates only)

Can be used for refinance

FASTRefi®

Available if self employed

Repayment holiday

Ongoing fee
$395 p.a. Package fee

Interest only available

Fixed rates available

Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years

Parental guarantee available

Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.

Free redraw online

Additional repayments

Split loan option

Can be used for land & construction (variable rates only)

Can be used for refinance

FASTRefi®

Available if self employed

Repayment holiday

Ongoing fee
$395 p.a. Package fee

Interest only available

Fixed rates available

Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years

Parental guarantee available

Property location
NSW, ACT & QLD

Multiple offset accounts

Free redraw online

Additional repayments

Split loan option

Can be used for land & construction (variable rates only)

Can be used for refinance

FASTRefi®

Available if self employed

Repayment holiday

Ongoing fee
Apply for a home loan Apply now Great Rate Home Loan Apply for a home loan Apply now Ultimate Home Loan Apply for a home loan Apply now Ultimate Investment Loan Apply for a home loan Apply now Great Rate Investment Loan

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Speak to our contact centre
Monday to Friday 8:00am – 6:00pm AEST.
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Call 13 13 86

Rates are effective as at 9am Friday 18/07/2025 and are subject to change without prior notice.

Terms, conditions, fees, charges and credit criteria apply.

+Cashback offers:

+++Online Cashback of $2,500 for eligible home loans $250-$499k or $3,000 for loans ≥$500k available for applications submitted via the Greater Bank Digital Home Loan application channel (online application) with 80% LVR or below. Excludes refinances from Greater Bank or Newcastle Permanent. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available in conjunction with any other cashback or promotional payment (except any interest rate discount offered). Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions.

++Cashback of $2,000 for eligible home loans $250-$499k or $2,500 cashback for loans ≥$500k available for refinance applications submitted via Greater Bank lenders (not online), with 80% LVR or below. Only one (1) cashback payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions.

~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.

^Comparison rate is based on $150,000 over 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.

#Discounted rates available for new home loans $150k+, with LVR of 80% or less. Discounted rate not available for Line of Credit facilities.

‡Additional costs may apply if your loan has a fixed rate.

Interest Only home loans attract a 0.10% p.a. margin above the applicable Principal and Interest rate. Your interest rate which includes any margins, will be set out in your credit contract.

FASTRefi® is a registered trademark of First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908.