Home Loans

We believe every Australian deserves to own their own home. To make this possible, we designed a range of award-winning loans with competitive rates and low fees. Everything you need and nothing you don’t. Simple, really.

I want to:

Ultimate Home Loan

Our ultimate in loans, combines a competitive variable or fixed interest rate with a range of great value products and services.

Designed to Make Life Greater Find out more

Compare our Home Loans

At The Greater, we like to see our customers achieve the financial dream of owning their home sooner.  That’s why we’re confident we’ve got the right loan to suit your needs.  We offer great value and our loans are easy to use.

Choose two to compare:

Ultimate Home Loan Great Rate Home Loan Line of Credit
Find out more Click here Click here Click here
How to apply Enquire online Enquire online Enquire online
Great if you want A package home loan with a lower rate and added benefits A low-rate no-frills home loan Continuous credit facility to access equity in your home
Interest Type Option Variable or Fixed Variable or Fixed Variable
Variable Interest Rate† 4.24% p.a. 4.44% p.a. 5.35% p.a.
Comparison Interest Rate^ 4.63% p.a. 4.44% p.a. N.A.
Loan Term Up to 30 years ^ Up to 30 years ^ Up to 30 years ^
Maximum Loan to Valuation Ratio ǂ 95% 95% 90%
Repayment Type P&I or Interest Only P&I or Interest Only Interest Only
Extra Repayments Yes Yes Yes
Redraw Facility Yes Yes Yes (all-in-one facility)
Repayment Holiday # Yes Yes Yes
Portability Yes Yes Yes
Loan Offset Yes (100% on Variable) No Yes (100% all-in-one facility)
Fee-Free Transaction Account Yes No Yes
Waived Annual Credit Card Fee Yes No No
Insurance Discounts Yes No No
Establishment Fee Nil* $500 (Nil for variable) $500
Monthly Fee $0 $0 $5
Annual Fee $375 $0 $0

Get in touch with a Greater Lender

Want to speak to one of our lending experts? It doesn’t matter whether you’d simply like a little more information, are after pre-approval or are ready to apply. The process is easy – all you need to do is start a conversation with us. You can do this in the following ways:

Ultimate Home Loan

Our ultimate in loans, combines a competitive variable or fixed interest rate with a range of great value products and services.

  • Interest Rate* 4.24
  • Comparison Rate ^ 4.63
# Discounted Variable. Special Offer available on new borrowings only.
Make an enquiry

Buying your first or next home

We keep it simple and spell out how you can reach settlement sooner – you’ll have the keys to your castle in no time. Check out our First Home Buyers Guide here.

Know how much you can borrow?
Why not use our handy calculator to find out? Get started.

I want to buy my first home

Refinance/Switch to The Greater

How do I switch?

We make it easy to get a better deal on your home loan. Our expert lenders will hold your hand through every step of our simple process – you don’t even need to speak to your current bank.

Why should I Switch?

At The Greater, we don’t have shareholders – we are customer owned. We reinvest our profits into providing better value products and personalised service. How does this compare to your current lender?

How to switch your home loan

Great Rate Home Loan

Want a low interest and low fee Home Loan?

  • Interest Rate* 4.09
  • Comparison Rate ^ 4.64
1 year fixed
Make an enquiry

Investing in property

If you’re a first-time investor or looking to further expand your portfolio, The Greater can help. We’ve put together a guide to investing – get the good word here.

Our lenders are...

  • Exactly that, lenders. That’s all they do. So we make the process simple for you, and we do all the hard work

  • Local. We live and work in your community

  • Knowledgeable. We’ve been lending for over 70 years

  • Understanding. We’ll discuss your situation to understand your circumstances and determine the best loan for you

  • Caring. We want you to own your home, not your loan

Line of Credit

Want to get the equity in your home or residential property working harder for you?

  • Interest Rate* 5.35
Make an enquiry


Whether you need extra room for a growing family, the kids are asking for a pool, or you just want to be the envy of the street, our guide to renovating can help.

Reverse Mortgages

Wouldn't it be great if you could use the equity in your home to fund the things you'd like to do?

You can. With a Reverse Mortgage, you can unlock the wealth and turn your bricks and mortar into a cash resource to fund the lifestyle you choose.

It could also mean you no longer have to compromise on the things you really need or worry about unexpected emergencies.

Find out more

Use our Home Loan Calculators

When you’re in the market for real estate, it can sometimes be difficult to see the forest for the trees. Throwing around numbers and rates is one thing, but to get the right insight into what your rate and repayments mean for you in real-world terms, it’s nice to get a bit of help.

The Greater offers a range of free lending calculators that let you see your potential repayments, calculate your preferred repayments, and let you get a grip on how much you can borrow. Handy, huh?

What you'll need to apply

Once it's time for you to apply for a Greater Home Loan, there are a couple of things we'll need from you to kick-start the process.

While your lender will explain exactly what we'll require for your specific circumstances, it's a good rule of thumb to have the following documentation at the ready.

- Proof of your identity

- Proof of your income, including rental income (if any)

- Records of what you currently owe

- Confirmation of your deposit

- 2 years worth of financial statements (if self employed)

- Details of your Centrelink entitlements (if any)

How to get pre-approval for your Home Loan

Home Loan Selector

Getting the right loan is important, but sometimes searching for it can seem like information overload.

We've made the process easier - all you need to do is answer a few simple questions to find the best loan to suit your needs

# If you are in advance on your loan and have enough funds to continue meeting your regular minimum payment, it is possible to reduce the amount you're paying or even stop your repayments altogether. There is no approval required and no fees that apply so you can take a repayment holiday whenever you have sufficient additional payments available to do so.
* Fees and charges may apply.
^ Comparison rate is based on $150,000 over 25 years. WARNING: Comparison rate is only for example given and may not include all fees and charges. Different terms, fees and loan amounts might result in a different comparison rate.
† Discounted Variable. Lowest Variable rate is the discounted variable rate which includes a 20bs point discount for Ultimate Home Loan (borrowing over $300,000) and Great Rate Home Loan (borrowing over $150,000), with an LVR 80% or below and applies to new loans only. Does not apply to additional borrowings. Special Offer is not available on Getaways Home Loan and Line of Credit Loan.
ǂ Maximum Loan to Valuation Ratio quoted for Owner Occupied Loans only.