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Choosing the right loan

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.

  • Packaged options available with discounted products and services
  • All owner-occupied loans available as a guarantor loan – borrow up to 110% of the value of your property.
  • Discounted interest rates for new loans borrowing more than $150,000 with an LVR 80% or below. (Line of Credit facilities excluded).
  • Can be used for land purchases and for new home construction.
  • Flexible repayment options, including the ability to split your loan between fixed and variable rate.
  • Ability to make additional repayments and pay off your loan sooner+.
  • Flexible repayment options and loan terms.
  • Low fee or no fee loan options available
  • Free unlimited redraw available around the clock via online banking.

Enquire now

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Personal Loans

If you’ve got the will, we’ve got the way with a fixed rate car loan or personal loan. Our loans offer competitive rates, no annual fees and the added feature of no penalties for making additional repayments. What’s more, our loans can be approved in as little as 24 hours.

  • Competitive fixed interest rates which lets you stay in control with repayments.
  • Get pre-approved so you can shop with confidence or start planning your project.
  • No monthly fees or annual fees.
  • Borrow between $5,000 and $100,000
  • Select a repayment term and frequency that suits you. Loans from 1-7 years, with weekly, fortnightly or monthly principal and interest repayments.
  • No penalties for making additional repayments, or paying your loan out sooner.
  • Free, unlimited online redraw available.

View all personal loans 

How we can help

Buy a new car

With a low-interest rate, low fees, and flexible repayment options, our New Car Loan could help you get the wheels you want sooner. Loans can be approved in as little as 24 hours.

Got a question about our loans?

Home Loan questions and answers

A packaged variable rate loan gives you access to a 100% Offset facility. You also have the option of combining your home loan with other products like an everyday bank account, credit card and/or insurance for example.

Packaging them together with your loan means paying one loan package fee which covers everything instead of paying separate fees for each product.

You may also get a discounted home loan rate as well.
Talk to your lender about the pros and cons of choosing a package loan.

No one loan is perfect for everyone. At Greater Bank, we understand that every one of our valued customers have different needs and are at different stages in their lives.

The right loan for you depends on these needs.

A variable rate loan means that the interest rate on the loan may go up and down over the loan period. This allows you to make additional or early repayments to take advantage of interest rate fluctuations.

A fixed rate loan means that the interest on the loan remains constant over a fixed period, so your repayments will stay the same. You will be able to budget for your repayments and are protected from rises in interest rates.

Still have questions? Contact a friendly Greater Bank staff member on 1300 721 253 or visit your nearest branch.

Use one of our lending calculators to find out:
• What is my borrowing power?
• What would my loan repayments be?
• How quickly can I pay off my loan?
• How soon can I reach my savings goal?
• How much interest can I earn on my investment?

Greater Bank offers a number of ways for customers to kick-start what will surely be one of life’s most exciting experiences – buying a home. You can start a conversation with Greater Bank today by

Personal Loan questions and answers

For a Secured Personal Loan and New Car Loan, you can apply for a loan between $5,000 to $100,000


For an Unsecured Personal Loan, you can apply for a loan between $5,000 to $50,000

Use one of our lending calculators to find out:

 

A comparison rate combines the:

  1.  loan interest rate you will be charged per year on the balance of your loan, with
  2.  the upfront, ongoing and final loan fees and charges you will also need to pay.
    The comparison rate can help you estimate the total cost of a loan over a year.

Check out our range of personal loans and our current interest rates.

At Greater Bank, we don’t think you should have to wait to get what you want. That’s why we aim to approve your Personal Loan within 24 hours.

Anyone can apply for a Personal Loan with Greater Bank, providing that you:

  • are 18 years or older,
  • have a satisfactory credit history, and
  • are an Australian permanent resident.

We're here to help

Got a question?

Check out our extensive FAQ section.

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Call us Monday to Friday
8:00am to 5:30pm
and
Saturday 8:00am to 1:00pm AEST

Call 1300 651 400

Home loans

Conditions, fees and charges apply to all loans. Subject to meeting Greater Bank's lending criteria. Greater Bank Limited ABN 88 087 651 956. AFSL/Australian credit licence No. 237476.

^Comparison rate is based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example 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 include a discount on Home Loans of $150,000 or over and Home Loans with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.

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

All new interest-only home loans, attract a 0.10% p.a. margin above the applicable Principal and Interest base rate. All new Line of Credit home loans, attract a 0.10% p.a. margin above the applicable Line of Credit base rate. The all-up interest rate which includes any margins, will be set out in your credit contract. View our Terms and Conditions.

Personal loans

*Subject to meeting Greater Bank’s lending criteria. Fees, charges, terms & conditions apply to all loans.

^ Personal Loan comparison rates are based on $30,000.00 for a term of five (5) years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates are subject to change without notice. Comparison Rate Schedules are available at your local branch. Please read our Terms and Conditions for more information.