Interest
6.39%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,124
LVR ≤70%
Great Southern Bank · Offset · Updated October 2026
Great Southern Bank Offset Account Home Loans, October 2026
Great Southern Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.39% p.a. (comparison rate 6.43% p.a.), on Offset Variable <70% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Great Southern Bank offset home loan rates, October 2026
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Great Southern BankOffset Variable <70% LVR Owner Occupied P&I (Extended Loan Term)
VariableOffsetRedraw
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR ≤70%
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Great Southern BankOffset Variable Owner Occupied P&I (Aus Gov 5% Deposit Scheme)
VariableOffsetRedraw
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,174
LVR ≤98%
Interest
6.60%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,193
LVR ≤70%
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Great Southern BankOffset Variable 70% - 80% LVR Owner Occupied P&I (Extended Loan Term)
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤70%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 70 to 80%
Great Southern BankOffset Variable 80% - 90% LVR Owner Occupied P&I (Extended Loan Term)
VariableOffsetRedraw
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Est. repayment
$3,306
LVR 80 to 90%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 70 to 80%
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Est. repayment
$3,323
LVR 80 to 90%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤70%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
Great Southern BankOffset Variable <70% LVR Owner Occupied IO (Extended Loan Term)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR ≤70%
Interest
7.29%p.a.
Comparison*
7.34%p.a.
Est. repayment
$3,424
LVR 90 to 95%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR 80 to 90%
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR 70 to 80%
Great Southern BankOffset Variable 70% - 80% LVR Owner Occupied IO (Extended Loan Term)
VariableOffsetRedraw
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR 70 to 80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR 80 to 90%
Great Southern BankOffset Variable 80% - 90% LVR Owner Occupied IO (Extended Loan Term)
VariableOffsetRedraw
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR 80 to 90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Great Southern Bank · Offset
Great Southern Bank offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also Great Southern Bank's full product range, repayment calculator, and offset savings calculator.