Ultimate Investment Home Loan
Interest rate
6.34
%~
p.a.
Comparison rate
8.03
%^
p.a.
~2 year fixed Ultimate Investment Home Loan rate, principal and interest
The clue’s in the name.
Our Ultimate Investment Home Loan is a packaged loan that offers competitive rates, with products and services to help seasoned and first-time investors.
Why choose our Ultimate Investment Home Loan?
A great-value option to help you invest, with extra products designed to make life easier.
No upfront establishment fee – no nasty upfront surprises.
Flexible loan terms up to 30 years in length^
Discounted interest rates for new loans borrowing more than $150,000 with an LVR 80% or below.
A range of competitive rates to suit your Loan to Value Ratio (LVR).
A linked 100% Ultimate Offset account on variable loans.
Free redraw available around the clock via online banking.†
An option to apply for an annual fee-free Visa Credit Card.
You could pay off your loan sooner by making additional repayments. ‡
Interest rates, fees and charges
Ultimate Investment Home Loan - Discount variable rate
| Ultimate Investment Home Loan | Interest rate# | Comparison rate^ |
|---|---|---|
| Variable | 6.39% p.a. | 6.76% p.a. |
Ultimate Investment Home Loan - Variable rate
| Ultimate Investment Home Loan | Interest rate | Comparison rate^ |
|---|---|---|
| Variable | 8.04% p.a. | 8.39% p.a. |
Refer to the Home Loans Terms and Conditions, Lending Products Product Schedule and Lending Fees and Charges for further information regarding terms, conditions, fees, charges and credit criteria that apply.
Ultimate Investment Home Loan - Fixed rates
| Ultimate Investment Home Loan | Interest rate~ | Comparison rate^ |
|---|---|---|
| 1 Year Fixed | 6.34% p.a. | 8.20% p.a. |
| 2 Years Fixed | 6.34% p.a. | 8.03% p.a. |
| 3 Years Fixed | 6.44% p.a. | 7.90% p.a. |
| 4 Years Fixed | 6.59% p.a. | 7.83% p.a. |
| 5 Years Fixed | 6.59% p.a. | 7.73% p.a. |
Refer to the Home Loans Terms and Conditions, Lending Products Product Schedule and Lending Fees and Charges for further information regarding terms, conditions, fees, charges and credit criteria that apply.
Fees and charges
| Upfront establishment fee | $0 |
| Annual fee | $395.00 |
| Settlement processing fee | $180.00 |
| Government registration fees apply? | Yes |
The above are a selection of our fees only, other fees and charges may apply.
Refer to the Home Loans Terms and Conditions, Lending Products Product Schedule and Lending Fees and Charges for further information regarding terms, conditions, fees, charges and credit criteria that apply.
Trophy-worthy loans for property pros
Calculate your home loan repayments
Calculator Disclaimer
This calculator should be used as an indication only. Results provided are estimates for illustrative purposes and based on the information provided and the assumption that calculations are for new borrowings only. These assumptions are subject to change. Results should not be relied on or construed as financial or other advice. Results do not represent a quote or pre-qualification for a loan or other product.
Calculations are not a loan or other product approval. Applications for credit are subject to credit approval and satisfactory security and minimum deposit requirements. Other criteria also apply. Conditions apply to all loans and other products. Full terms and conditions will be set out in our loan or other product offer, if an offer is made.
Weekly and fortnightly repayment amounts shown are not a simulation of actual loan repayments. They are indicative conversions only and do not reflect actual repayment calculations or outcomes. Greater Bank loan repayments are calculated and payable on a monthly basis.
Fees and charges are payable. Interest rates are subject to change. The calculations do not take into account fees, charges or other amounts that may be charged to your loan or other account (such as establishment fees or stamp duty). Lender's Mortgage Insurance may apply. Any of these additional amounts will increase repayments under the loan.
As this information has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on it. You should obtain financial and taxation advice from a suitably qualified and experienced professional adviser before making a financial decision.
Calculator by Widget Works.
Got a question about our Ultimate Investment Home Loan?
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 or credit card, for example.
Packaging them together with your loan means paying one loan package fee 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.
Terms, conditions, fees, charges and credit criteria apply.
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 13 13 86 or visit your nearest branch.
Terms, conditions, fees, charges and credit criteria apply.
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
- Making a Home Loan enquiry online.
- Dropping into your nearest branch.
- Calling us on 13 13 86 and speaking with a friendly member of staff.
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?
Pay extra on my fixed rate home loan without a penalty?
You can make additional payments during a fixed period on Principal and Interest and Interest Only loans but a pre-payment fee may apply.
You can make extra repayments up to 5% of your original loan amount before there is any chance that a prepayment fee may apply.
Pre-payment fees don’t apply to an extra repayment on a variable rate home loan.
Can't quite find what you're after?
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Get in touch
Speak to our contact centre
Monday to Friday 8:00am - 6:00pm AEST.
Saturday 8:00am - 1:00pm AEST.
Terms, conditions, fees, charges and credit criteria apply.
~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.
^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.
†Redraws available on application, for amounts in advance. A redraw fee applies to applications made in branch.
‡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.
#Discounted rates available for new home loans $150k+, with LVR of 80% or less.
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.
◊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.