Offset Variable OO IO
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Great Southern Bank Home Loan Rates
Active products
43
Lowest variable
6.04%
Lowest fixed
6.30%
Lowest comparison
6.08%
Last updated
28 July 2026
Great Southern Bank (formerly CUA, Credit Union Australia) is Australia's largest customer-owned bank by membership. Headquartered in Brisbane, it combines mutual-banking governance with a national online home-loan offering. The Offset Variable bundles 100% offset on eligible loans.
What is the lowest Great Southern Bank home loan rate?
The lowest Great Southern Bank variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.30% p.a. These figures come from the 23 Great Southern Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Great Southern Bank offer?
Ratesniffers currently tracks 23 Great Southern Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Great Southern Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier interest-only | 6.04% p.a. | 6.08% p.a. | 90% |
| Variable Owner-occupier interest-only | 6.04% p.a. | 6.08% p.a. | 90% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Variable Investor interest-only | 6.24% p.a. | 6.28% p.a. | 90% |
| Variable Investor interest-only | 6.24% p.a. | 6.28% p.a. | 90% |
| Fixed 5-year Owner-occupier P&I | 6.30% p.a. | 6.34% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.35% p.a. | 6.39% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.35% p.a. | 6.39% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.40% p.a. | 6.44% p.a. | 100% |
23 Great Southern Bank home loan products
Basic Variable OO IO
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Offset Variable OO P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Basic Variable OO P&I
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Offset Variable Investment P&I
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Basic Variable Investment P&I
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Offset Variable Investment IO
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Basic Variable Investment IO
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
5 year Fixed Rate OO P&I
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.30%p.a.
Comparison*
6.34%p.a.
Monthly repayment
$3,095
LVR —
1 year Fixed Rate OO P&I
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.35%p.a.
Comparison*
6.39%p.a.
Monthly repayment
$3,111
LVR —
3 year Fixed Rate OO P&I
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.35%p.a.
Comparison*
6.39%p.a.
Monthly repayment
$3,111
LVR —
2 year Fixed Rate OO P&I
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR —
5 year Fixed Rate INV P&I
Investor5y FixedP&IRedrawExtra repayments
Interest
6.50%p.a.
Comparison*
6.54%p.a.
Monthly repayment
$3,160
LVR —
1 year Fixed Rate INV P&I
Investor1y FixedP&IRedrawExtra repayments
Interest
6.55%p.a.
Comparison*
6.59%p.a.
Monthly repayment
$3,177
LVR —
3 year Fixed Rate INV P&I
Investor3y FixedP&IRedrawExtra repayments
Interest
6.55%p.a.
Comparison*
6.59%p.a.
Monthly repayment
$3,177
LVR —
2 year Fixed Rate INV P&I
Investor2y FixedP&IRedrawExtra repayments
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Monthly repayment
$3,193
LVR —
5year Fixed Rate INV IO
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR —
1 year Fixed Rate OO IO
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.80%p.a.
Comparison*
6.84%p.a.
Monthly repayment
$3,260
LVR —
3 year Fixed Rate OO IO
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.85%p.a.
Comparison*
6.89%p.a.
Monthly repayment
$3,276
LVR —
1 year Fixed Rate INV IO
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.85%p.a.
Comparison*
6.89%p.a.
Monthly repayment
$3,276
LVR —
3 year Fixed Rate INV IO
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.85%p.a.
Comparison*
6.89%p.a.
Monthly repayment
$3,276
LVR —
2 year Fixed Rate OO IO
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.90%p.a.
Comparison*
6.94%p.a.
Monthly repayment
$3,293
LVR —
2 year Fixed Rate INV IO
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.95%p.a.
Comparison*
6.99%p.a.
Monthly repayment
$3,310
LVR —
Negotiate Great Southern Bank rates with a broker
Advertised rates aren't always the rate Great Southern Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Great Southern Bank?
Great Southern Bank is the former Credit Union Australia (CUA), which adopted its bank name in 2021, research showed many customers did not understand what a credit union was. It remains 100% customer-owned, making it one of Australia's largest mutual banks.
Its home-loan range focuses on owner-occupiers and first home buyers, and as a mutual its profits go back into rates and service rather than shareholder dividends.
Who suits a Great Southern Bank home loan?
Great Southern Bank tends to suit borrowers, especially first home buyers, who want a customer-owned lender with a national footprint and digital-first service. Mutual ownership does not guarantee the lowest rate on any given day, so compare its comparison rates against the leaders in the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Great Southern Bank home loans: frequently asked questions
What is the lowest Great Southern Bank home loan rate?
Great Southern Bank's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.30% p.a., based on the 23 Great Southern Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Great Southern Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Great Southern Bank's home loan rate compare to the market?
Great Southern Bank's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts Great Southern Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Great Southern Bank sits right now rather than a fixed snapshot.
How many home loan products does Great Southern Bank offer?
Ratesniffers currently tracks 43 Great Southern Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 23 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Great Southern Bank competitive for refinancing?
It depends on your loan size and LVR. Great Southern Bank's lowest comparison rate is currently 6.08% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Great Southern Bank against the sharpest available rate usually pays off.
How often are Great Southern Bank's home loan rates updated?
Ratesniffers refreshes Great Southern Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Great Southern Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Great Southern Bank rates by borrower and loan type
The same Great Southern Bank panel, filtered to the scenario you're actually shopping for.
- Great Southern Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Great Southern Bank investor ratesInvestment lending, interest-only where offered.
- Great Southern Bank refinance ratesRefinance-eligible products versus your current rate.
- Great Southern Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Great Southern Bank fixed rates1 to 5-year terms where available.
- Great Southern Bank variable ratesFlexible repayments, offset-compatible products.
- Great Southern Bank interest-only ratesIO terms, mostly investor products.
- Great Southern Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research Great Southern Bank
Our independent review, and how they stack up head to head.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.