Greater Bank Home Loan Rates December 2025

Explore Greater Bank home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
4.99% p.a.
6.88% p.a.
$2,681
Principal & Interest
Fixed
$395
$180
95%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.04% p.a.
6.71% p.a.
$2,696
Principal & Interest
Fixed
$0
$180
95%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.09% p.a.
7.20% p.a.
$2,712
Principal & Interest
Fixed
$395
$180
95%
  • Investor
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.09% p.a.
6.75% p.a.
$2,712
Principal & Interest
Fixed
$395
$180
95%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.14% p.a.
6.56% p.a.
$2,727
Principal & Interest
Fixed
$0
$180
95%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.14% p.a.
7.03% p.a.
$2,727
Principal & Interest
Fixed
$0
$180
95%
  • Investor
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.19% p.a.
5.20% p.a.
$2,742
Principal & Interest
Variable
$0
$180
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.19% p.a.
7.03% p.a.
$2,742
Principal & Interest
Fixed
$395
$180
95%
  • Investor
  • Fixed 3 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
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Important Information and Comparison Rate Warning

What you need to know about Greater Bank home loans

Greater Bank began life in 1945 and is now part of the Newcastle Greater Mutual Group. The customer-owned bank serves customers across NSW and South East Queensland, recycling profits into sharper rates, lower fees, and community programs. Customers can access over 50 branches scattered between Wollongong and the Gold Coast or turn to a mobile-first digital platform.

You might find Greater Bank a good fit if you:

  • Want a choice between a low rate or feature rich home loan
    Its Great Rate loan advertises no ongoing fees and a low interest rate while its variable rate Ultimate mortgage offers an offset account.

  • Have family support to boost your deposit
    The bank's Family Pledge loan feature can help secure up to 110% of the property's value, helping first-home buyers sidestep lenders mortgage insurance (LMI).

  • Want revolving access to equity later on
    The bank's line-of-credit facility, a feature that's becoming less common, lets property owners draw down on equity and repay funds as needed, only paying interest on what's actually in use.

  • Value digital banking with human back-up
    The bank offers internet banking, an app, and in-person service for its customers.

  • Prefer a mutual lender with local service that gives back locally
    As a member-owned bank, Greater Bank reinvests earnings for customers' benefit while the Greater Charitable Foundation distributes around $1 million in grants each year to projects from the Illawarra to the Gold Coast.

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