Great Southern Bank home loan rates
CREDIT UNION AUSTRALIA LTD · ACL 238317 · Mutual/Credit union
Rates as at 2026-10-20. 106 rates across 29 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Basic Variable OO P&I (2 tiers) | 8.25% | 6.35–6.45% | Variable | Owner occupier | P&I | LVR <=70% |
| Basic Variable OO P&I (2 tiers) | 8.25% | 6.55–6.65% | Variable | Owner occupier | P&I | LVR 70-80% |
| Basic Variable OO P&I (2 tiers) | 8.25% | 6.75–6.85% | Variable | Owner occupier | P&I | LVR 80-90% |
| Basic Variable OO P&I | 8.25% | 7.25% | Variable | Owner occupier | P&I | LVR 90-95% |
| Basic Variable OO Construction (2 tiers) | 8.35% | 6.35–6.45% | Variable | Owner occupier | Interest only | LVR <=70% |
| Basic Variable OO Construction (2 tiers) | 8.35% | 6.55–6.65% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Basic Variable OO Construction (2 tiers) | 8.35% | 6.75–6.85% | Variable | Owner occupier | Interest only | LVR 80-90% |
| Offset Variable OO P&I (2 tiers) | 8.45% | 6.45–6.55% | Variable | Owner occupier | P&I | LVR <=70% |
| Offset Variable OO P&I (2 tiers) | 8.45% | 6.60–6.70% | Variable | Owner occupier | P&I | LVR 70-80% |
| Offset Variable OO P&I (2 tiers) | 8.45% | 6.90–7.00% | Variable | Owner occupier | P&I | LVR 80-90% |
| Offset Variable OO P&I | 8.45% | 7.35% | Variable | Owner occupier | P&I | LVR 90-95% |
| Offset Variable OO Construction (2 tiers) | 8.55% | 6.45–6.55% | Variable | Owner occupier | Interest only | LVR <=70% |
| Offset Variable OO Construction (2 tiers) | 8.55% | 6.60–6.70% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Offset Variable OO Construction (2 tiers) | 8.55% | 6.90–7.00% | Variable | Owner occupier | Interest only | LVR 80-90% |
| Basic Variable Investment P&I (2 tiers) | 8.68% | 6.55–6.65% | Variable | Investment | P&I | LVR <=70% |
| Basic Variable Investment P&I (2 tiers) | 8.68% | 6.70–6.80% | Variable | Investment | P&I | LVR 70-80% |
| Basic Variable Investment P&I (2 tiers) | 8.68% | 6.95–7.05% | Variable | Investment | P&I | LVR 80-90% |
| Basic Variable OO IO (2 tiers) | 8.75% | 6.48–6.58% | Variable | Owner occupier | Interest only | LVR <=70% |
| Basic Variable OO IO (2 tiers) | 8.75% | 6.75–6.86% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Basic Variable OO IO (2 tiers) | 8.75% | 7.05–7.15% | Variable | Owner occupier | Interest only | LVR 80-90% |
| Basic Variable Investment Construction (2 tiers) | 8.78% | 6.95–7.05% | Variable | Investment | Interest only | LVR 80-90% |
| Basic Variable Investment Construction (2 tiers) | 8.78% | 6.55–6.65% | Variable | Investment | Interest only | LVR <=70% |
| Basic Variable Investment Construction (2 tiers) | 8.78% | 6.70–6.80% | Variable | Investment | Interest only | LVR 70-80% |
| Offset Variable Investment P&I (2 tiers) | 8.88% | 6.66–6.76% | Variable | Investment | P&I | LVR <=70% |
| Offset Variable Investment P&I (2 tiers) | 8.88% | 6.75–6.85% | Variable | Investment | P&I | LVR 70-80% |
| Offset Variable Investment P&I (2 tiers) | 8.88% | 7.05–7.15% | Variable | Investment | P&I | LVR 80-90% |
| Offset Variable OO IO (2 tiers) | 8.95% | 6.65–6.75% | Variable | Owner occupier | Interest only | LVR <=70% |
| Offset Variable OO IO (2 tiers) | 8.95% | 6.88–6.98% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Offset Variable OO IO (2 tiers) | 8.95% | 7.17–7.27% | Variable | Owner occupier | Interest only | LVR 80-90% |
| Offset Variable Investment Construction (2 tiers) | 8.98% | 6.66–6.76% | Variable | Investment | Interest only | LVR <=70% |
| Offset Variable Investment Construction (2 tiers) | 8.98% | 6.75–6.85% | Variable | Investment | Interest only | LVR 70-80% |
| Offset Variable Investment Construction (2 tiers) | 8.98% | 7.05–7.15% | Variable | Investment | Interest only | LVR 80-90% |
| Basic Variable Investment IO (2 tiers) | 9.03% | 6.64–6.74% | Variable | Investment | Interest only | LVR <=70% |
| Basic Variable Investment IO (2 tiers) | 9.03% | 6.81–6.91% | Variable | Investment | Interest only | LVR 70-80% |
| Basic Variable Investment IO (2 tiers) | 9.03% | 7.13–7.23% | Variable | Investment | Interest only | LVR 80-90% |
| Offset Variable Investment IO (2 tiers) | 9.23% | 6.75–6.85% | Variable | Investment | Interest only | LVR <=70% |
| Offset Variable Investment IO (2 tiers) | 9.23% | 6.89–6.99% | Variable | Investment | Interest only | LVR 70-80% |
| Offset Variable Investment IO (2 tiers) | 9.23% | 7.23–7.33% | Variable | Investment | Interest only | LVR 80-90% |
| Bridging Loan INV | 10.06% | 10.17% | Variable | Investment | Interest only | bridging loan inv |
| Bridging Loan OO | 10.06% | 10.17% | Variable | Owner occupier | Interest only | bridging loan oo |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| 1 year Fixed Rate OO P&I (2 tiers) | 6.75–6.85% | 8.15–8.16% | Fixed | Owner occupier | P&I | 1 yr fixed |
| 2 year Fixed Rate OO P&I (2 tiers) | 6.75–6.85% | 8.00–8.02% | Fixed | Owner occupier | P&I | 2 yr fixed |
| 3 year Fixed Rate OO P&I (2 tiers) | 6.75–6.85% | 7.86–7.89% | Fixed | Owner occupier | P&I | 3 yr fixed |
| 5 year Fixed Rate OO P&I (2 tiers) | 6.80–6.90% | 7.65–7.70% | Fixed | Owner occupier | P&I | 5 yr fixed |
| 1 year Fixed Rate INV P&I (2 tiers) | 6.95–7.05% | 8.55–8.56% | Fixed | Investment | P&I | 1 yr fixed |
| 2 year Fixed Rate INV P&I (2 tiers) | 6.95–7.05% | 8.37–8.40% | Fixed | Investment | P&I | 2 yr fixed |
| 3 year Fixed Rate INV P&I (2 tiers) | 6.95–7.05% | 8.22–8.25% | Fixed | Investment | P&I | 3 yr fixed |
| 5 year Fixed Rate INV P&I (2 tiers) | 7.00–7.10% | 7.97–8.01% | Fixed | Investment | P&I | 5 yr fixed |
| 5year Fixed Rate INV IO (2 tiers) | 7.15–7.25% | 8.04–8.08% | Fixed | Investment | Interest only | 5 yr fixed |
| 1 year Fixed Rate INV IO (2 tiers) | 7.25–7.35% | 8.58–8.60% | Fixed | Investment | Interest only | 1 yr fixed |
| 1 year Fixed Rate OO IO (2 tiers) | 7.25–7.35% | 8.20–8.21% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| 2 year Fixed Rate INV IO (2 tiers) | 7.25–7.35% | 8.44–8.46% | Fixed | Investment | Interest only | 2 yr fixed |
| 2 year Fixed Rate OO IO (2 tiers) | 7.25–7.35% | 8.10–8.12% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| 3 year Fixed Rate INV IO (2 tiers) | 7.25–7.35% | 8.31–8.34% | Fixed | Investment | Interest only | 3 yr fixed |
| 3 year Fixed Rate OO IO (2 tiers) | 7.25–7.35% | 8.01–8.04% | Fixed | Owner occupier | Interest only | 3 yr fixed |
Conditions worth checking. Fixed Rate loans are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of existing home loans. | Max LVR for Principal & Interest Owner Occupier Home Loan products is 95% | Min LVR for Home Loan products is 1% | Max LVR for Interest Minimum application amount of $100,000; or switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000. | Max LVR for Principal & Interest Owner Occupier Home Loan products is 95% | Min LVR for Home Loan products is 1% | Max LVR for Int Fixed Rate loans are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of existing home loans. | Max LVR for Principal & Interest Owner Occupier Home Loan products is 95% | Min LVR for Home Loan products is 1% | Eligibility: To be 18