Ultimate Home Loan

Our ultimate in loans.

This package combines a competitive variable or fixed interest rate with a range of great value products and services designed to Make Life Greater.


  • Interest Rate* 4.09
  • Comparison Rate ^ 4.71
#Discounted 3 Year Fixed Rate. Special offer available on new borrowings only.

Great If:

If you need other products such as everyday or offset accounts

You’re after additional benefits with the home loan

You’re after a fixed or variable rate home loan, or both

Key Features

Fee-Free Everyday Banking account – an Ultimate Access Account which you don't pay account-keeping or transaction fees

A generous discount on our Standard Variable, Standard Fixed or line of Credit rates

A linked 100% Ultimate Offset account*

Waived Annual Credit Card Fee on your linked Greater Visa Credit Card

Insurance Discounts – we'll discount the premium on a Building, Contents, Landlords or Motor Vehicle policy you take out through The Greater

No establishment fee on variable loans

Complimentary initial Financial Planning consultation

Unlimited free redraws through Internet Banking

Flexible repayments, with the ability to choose principal and interest or interest only 

Flexible loan terms up to 30 years^

Borrow up to 95% of property value

Avoid Lender’s Mortgage Insurance with a deposit of 20% or more

View our Home Loan Key Fact Sheet

Apply for Ultimate Home Loan It’s just that simple! Make an enquiry

I want to

Buy my first home

Buying your first home should be one of the most exciting experiences of your life, but you need the right advice to make sure the process runs smoothly. 


Renovate my home

Maybe after many years, your house is a little rough around the edges. We’re right behind motivated property-owners looking to better their home.


Refinance my home loan

Firstly, thanks for considering us for your Home Loan. Home Loans are at the core of The Greater and we like to think we’re the experts. 


Home Loan Deposit Calculator

Got your first or next home in your sights? Get to know your deposit amount and start saving!

Get Started

Repayments Calculator

Work out what your minimum monthly repayments would be on your Greater Home Loan.

Calculate Now

Know your Borrowing Power

Find out how much you can borrow based on your salary and existing financial commitments.

Get Started

Make an Enquiry

At The Greater, we don’t think you should have to move heaven and earth just to get a home loan. That’s why we’ve made the application process as simple as possible with three easy steps.

  • 1

    Get in touch

    Contact us online, over the phone or in your local branch so that we can give you all the information you need to meet with one of our lending experts.


  • 2

    Meet and Apply

    We’ll organise a time for you to meet with your local lender so they can guide you through the application process.

    We Can even come to you!

  • 3


    We’ll do all the hard work from here. Your lender will complete your paperwork and notify you once your loan has been approved. 

    Kickstart your home loan application today

Interest Rates

Rates are effective as at Saturday 30/04/2016


Ultimate Home Loan*Discount ($150K & LVR ≤80%) #Comparison Rate^
Variable 4.24 % p.a. 4.61 % p.a.
1 Year Fixed 3.79 % p.a. 4.74 % p.a.
2 Years Fixed 3.99 % p.a. 4.72 % p.a.
3 Years Fixed 4.09 % p.a. 4.71 % p.a.
4 Years Fixed 4.24 % p.a. 4.74 % p.a.
5 Years Fixed 4.24 % p.a. 4.72 % p.a.


Ultimate Home Loan*Interest RateComparison Rate^
Variable 4.44 % p.a. 4.80 % p.a.
1 Year Fixed 3.99 % p.a. 4.76 % p.a.
2 Years Fixed 4.19 % p.a. 4.76 % p.a.
3 Years Fixed 4.29 % p.a. 4.76 % p.a.
4 Years Fixed 4.44 % p.a. 4.80 % p.a.
5 Years Fixed 4.44 % p.a. 4.80 % p.a.



You might also be interested in:

Great Rate Home Loan

Want a low interest and low fee Home Loan?

Line of Credit

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

Construction and Land Loans

Let you borrow up to 90% of the combined value of your house and land.

Compare all Greater Home Loans

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

Home Loan FAQs

Got a question about a home loan? Our expert lending team may already have the answer. Check out our FAQ page now.

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?

Fixed or Variable - which is right for you?

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

How to get pre-approval for your Home Loan

*Fees, charges, terms and conditions apply to all loans. Comparison Rate Schedules are available at your local branch. Conditions apply. Please read our Terms and Conditions for more information. ^ 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 loan amounts might result in a different comparison rate. # Discounted rates include a discount on Home Loans over $150,000 and Home Loans with an LVR 80% or below and applies to owner occupied new loans only. Does not apply to additional borrowings. If your security property is not in NSW, QLD or ACT we are unable to assist you with your enquiry. New borrowers are required to attend a Greater Branch for an interview.