Interest
6.29%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,092
LVR ≤70%
Great Southern Bank · Owner-occupier · Updated October 2026
Great Southern Bank Owner-occupier Home Loans, October 2026
Great Southern Bank lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.29% p.a. (comparison rate 6.33% p.a.), on Basic 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 owner occupier home loan rates, October 2026
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,124
LVR ≤70%
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,124
LVR ≤70%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
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
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR ≤98%
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%
Great Southern BankBasic Variable 70% - 80% LVR Owner Occupied P&I (Extended Loan Term)
VariableRedraw
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Est. repayment
$3,190
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 80 to 90%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤70%
Great Southern BankBasic Variable 80% - 90% LVR Owner Occupied P&I (Extended Loan Term)
VariableRedraw
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,256
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤70%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 90%
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
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%
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
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 70 to 80%
Interest
7.19%p.a.
Comparison*
7.23%p.a.
Est. repayment
$3,391
LVR 90 to 95%
*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 · Owner-occupier
Great Southern Bank owner-occupier home loans, what to weigh
Great Southern Bank's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. 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 owner-occupier option has the same price.
See also Great Southern Bank's full product range, repayment calculator, and refinance savings calculator.