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Big dreams, smart loans.

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

Get up to $3,000 cashback+ when you apply online.

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.+++

The next big thing in home loans.

Get up to $3,000 cashback.+

Save time with our 15 min application.

No paperwork or payslips required — just a smooth, hassle-free process.

Get a great rate.

Introducing the Greater Bank digital home loan.

It’s the start of a new home loan era, with no paperwork, no endless phone calls, or visits to the bank.

Apply online and score up to

$3,000 cashback+

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

Hate paperwork?

In 15 minutes, apply 100% online with no paperwork or payslips required. Here's what you'll need handy, and we'll do the rest for you:

Info about yourself - employment details and information about your property/properties.
Proof of identity - such as your Australian drivers licence, passport, Medicare card, etc.
Online banking details - so we can quickly and securely gather your income, expenses and liability information.

See how much you could save by switching

Our awards

Fixed Home Loan Lender - Owner Occupied

Finder | 2025

Fixed Home Loan Lender - Investor 

Finder | 2025

Value Home Loan

Finder | 2025

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 Offer may be varied or withdrawn at any time.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.

^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.