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Great Southern Bank home loan rates

398 advertised rates across 29 products, published by Great Southern Bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

Every home loan Great Southern Bank advertises for a home you live in and pay down is for a particular group only, and who each one is for is listed below. So there is no rate here that anyone could take, and nothing to read against the going rate.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Fixed

1 year Fixed Rate OO P&I · one year · owe up to 95% · 6.75–6.85% (8.15–8.16% with fees)
2 year Fixed Rate OO P&I · two years · owe up to 95% · 6.75–6.85% (8.00–8.02% with fees)
3 year Fixed Rate OO P&I · three years · owe up to 95% · 6.75–6.85% (7.86–7.89% with fees)
5 year Fixed Rate OO P&I · five years · owe up to 95% · 6.80–6.90% (7.65–7.70% with fees)

Where a rate is shown as a range, Great Southern Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess.

Owner-occupied, interest only

9 rates

Variable

Basic Variable OO IO · owe 80.01–90% · 8.50–8.75% (6.79–7.15% with fees)
Basic Variable OO IO · owe 70.01–80% · 8.50–8.75% (6.50–6.86% with fees)
Basic Variable OO IO · owe up to 70% · 8.50–8.75% (6.23–6.58% with fees)
Offset Variable OO IO · owe 80.01–90% · 8.70–8.95% (6.91–7.27% with fees)
Offset Variable OO IO · owe up to 70% · 8.70–8.95% (6.40–6.75% with fees)
Offset Variable OO IO · owe 70.01–80% · 8.70–8.95% (6.63–6.98% with fees)

Fixed

1 year Fixed Rate OO IO · one year · owe up to 90% · 7.25–7.35% (8.20–8.21% with fees)
2 year Fixed Rate OO IO · two years · owe up to 90% · 7.25–7.35% (8.10–8.12% with fees)
3 year Fixed Rate OO IO · three years · owe up to 90% · 7.25–7.35% (8.01–8.04% with fees)

Discounts Great Southern Bank publishes beside these prices. Each comes off a product's rate, so none is a rate of its own:

Offset Variable OO IO: 0.05% off
Basic Variable OO IO: 0.05% off
Basic Variable OO IO: 0.96–1.06% off
Offset Variable OO IO: 1.11–1.21% off
Offset Variable OO IO: 1.36–1.46% off
Basic Variable OO IO: 1.46–1.56% off
Offset Variable OO IO: 1.76–1.86% off
Basic Variable OO IO: 1.91–2.01% off

Investment, principal and interest

4 rates

Fixed

1 year Fixed Rate INV P&I · one year · owe up to 90% · 6.95–7.05% (8.55–8.56% with fees)
2 year Fixed Rate INV P&I · two years · owe up to 90% · 6.95–7.05% (8.37–8.40% with fees)
3 year Fixed Rate INV P&I · three years · owe up to 90% · 6.95–7.05% (8.22–8.25% with fees)
5 year Fixed Rate INV P&I · five years · owe up to 90% · 7.00–7.10% (7.97–8.01% with fees)

Investment, interest only

16 rates

Variable

Basic Variable Investment Construction · owe 80.01–90% · 8.53–8.78% (6.70–7.05% with fees)
Basic Variable Investment Construction · owe 70.01–80% · 8.53–8.78% (6.45–6.80% with fees)
Basic Variable Investment Construction · owe up to 70% · 8.53–8.78% (6.30–6.65% with fees)
Offset Variable Investment Construction · owe 80.01–90% · 8.73–8.98% (6.80–7.15% with fees)
Offset Variable Investment Construction · owe up to 70% · 8.73–8.98% (6.41–6.76% with fees)
Offset Variable Investment Construction · owe 70.01–80% · 8.73–8.98% (6.50–6.85% with fees)
Basic Variable Investment IO · owe 80.01–90% · 8.78–9.03% (6.88–7.23% with fees)
Basic Variable Investment IO · owe 70.01–80% · 8.78–9.03% (6.56–6.91% with fees)
Basic Variable Investment IO · owe up to 70% · 8.78–9.03% (6.39–6.74% with fees)
Offset Variable Investment IO · owe 80.01–90% · 8.98–9.23% (6.98–7.33% with fees)
Offset Variable Investment IO · owe up to 70% · 8.98–9.23% (6.49–6.85% with fees)
Offset Variable Investment IO · owe 70.01–80% · 8.98–9.23% (6.63–6.99% with fees)

Fixed

5year Fixed Rate INV IO · five years · owe up to 90% · 7.15–7.25% (8.04–8.08% with fees)
1 year Fixed Rate INV IO · one year · owe up to 90% · 7.25–7.35% (8.58–8.60% with fees)
2 year Fixed Rate INV IO · two years · owe up to 90% · 7.25–7.35% (8.44–8.46% with fees)
3 year Fixed Rate INV IO · three years · owe up to 90% · 7.25–7.35% (8.31–8.34% with fees)

Discounts Great Southern Bank publishes beside these prices. Each comes off a product's rate, so none is a rate of its own:

Offset Variable Investment IO: 0.05% off
Basic Variable Investment IO: 0.05% off
Offset Variable Investment Construction: 0.05% off
Basic Variable Investment Construction: 0.05% off
Basic Variable Investment IO: 1.64–1.74% off
Offset Variable Investment IO: 1.74–1.84% off
Basic Variable Investment Construction: 1.79–1.89% off
Offset Variable Investment Construction: 1.89–1.99% off
Basic Variable Investment IO: 2.04–2.14% off
Basic Variable Investment Construction: 2.04–2.14% off
Offset Variable Investment IO: 2.14–2.24% off
Offset Variable Investment Construction: 2.19–2.29% off
Basic Variable Investment Construction: 2.19–2.29% off
Basic Variable Investment IO: 2.24–2.34% off
Offset Variable Investment Construction: 2.28–2.38% off
Offset Variable Investment IO: 2.34–2.44% off

Restricted to particular groups

Product	Who it is for	Rate
Offset Variable OO P&I	a particular group only, per its published conditions	0.05%
Basic Variable OO P&I	a particular group only, per its published conditions	0.05%
Offset Variable Investment P&I	a particular group only, per its published conditions	0.05%
Basic Variable Investment P&I	a particular group only, per its published conditions	0.05%
Offset Variable OO Construction	a particular group only, per its published conditions	0.05%
Basic Variable OO Construction	a particular group only, per its published conditions	0.05%
Bridging Loan OO	a particular group only, per its published conditions	10.06%
Bridging Loan INV	a particular group only, per its published conditions	10.06%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Great Southern Bank last moved a rate on Wednesday 7 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Great Southern Bank told you, it is usually one of these.

The published data is wrong

Great Southern Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Great Southern Bank
ABN: 44087650959
Product Reference Data endpoint: https://api.open-banking.greatsouthernbank.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 398

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

Are you paying more than you need to? your rate against every lender publishing one
How fast should you pay it off? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? every published rate, and how fresh it is

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.