Skip to Main Content

Get up to $3,000 cashback* plus a great rate when you apply online

Interest rate 5.94 %# p.a.
Comparison rate 5.95 %^ 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.*

See how much you could save by switching

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.+

Speak to a lender Speak to a lender

Young couple house hunting

Great Rate Home Loan

Interest rate 5.94 %# p.a.
Comparison rate 5.95 %^ p.a.
#Discounted Great Rate Home Loan variable rate, owner occupied, principal and interest

A Great Rate Home Loan from Greater Bank is a low-interest rate home loan that's easy to use. 

With low interest and no monthly or annual fees, you could save thousands of dollars! 

Why choose our Great Rate Home Loan?

No monthly or no annual fees.
Free redraw available around the clock with online banking.
Discounted variable rates on new loans over $150k with an LVR ≤80%#
Family Pledge available.
Additional repayments‡
Switch and start saving in days, not weeks with FASTRefi®.

Calculate your repayments

Rates are effective as at 9am Wednesday 01/07/2026 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.

#Discounted rates available for new home loans $150k+, with LVR of 80% or less. 

A prepayment fee applies to fixed rate loans if you make more than 5% in extra payments. Contact us before making additional repayments to get an estimate of the prepayment fee.

^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.

~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.

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

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