Interest
6.39%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,124
LVR not stated
Greater Bank Limited Home Loan Rates
Tracked products
80
Lowest variable
5.84%
Lowest fixed
6.24%
Lowest comparison
5.85%
Last updated
8 Sept 2026
Greater Bank Limited is one of the Australian home-loan lenders we track daily. We currently surface 80 active products from Greater Bank Limited, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Greater Bank Limited home loan rates?
Greater Bank Limited home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.84% p.a. and the lowest fixed rate currently 6.24% p.a., last verified 8 Sept 2026. Compare Greater Bank Limited against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Greater Bank Limited home loan rate?
The lowest Greater Bank Limited variable home loan rate Ratesniffers tracks is 5.84% p.a., and the lowest fixed rate is 6.24% p.a. These figures come from the 20 Greater Bank Limited products on this page that pass data-quality checks, ranked by comparison rate, last verified 8 Sept 2026.
How many home loan products does Greater Bank Limited offer?
Ratesniffers currently tracks 80 Greater Bank Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 20 that pass our data-quality checks on this page. 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.
Greater Bank Limited home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 2-year Investor P&I | 6.39% p.a. | 8.00% p.a. | n/a |
| Variable Owner-occupier P&I | 7.66% p.a. | 8.01% p.a. | n/a |
| Fixed 2-year Investor interest-only | 6.49% p.a. | 8.02% p.a. | n/a |
| Fixed 2-year Investor P&I | 6.34% p.a. | 8.03% p.a. | n/a |
| Variable Owner-occupier interest-only | 7.76% p.a. | 8.03% p.a. | n/a |
| Fixed 2-year Investor interest-only | 6.44% p.a. | 8.04% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.39% p.a. | 8.05% p.a. | n/a |
| Fixed 1-year Investor interest-only | 6.49% p.a. | 8.06% p.a. | n/a |
| Variable Owner-occupier P&I | 8.13% p.a. | 8.18% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.39% p.a. | 8.19% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.34% p.a. | 8.20% p.a. | n/a |
| Fixed 1-year Investor interest-only | 6.44% p.a. | 8.20% p.a. | n/a |
20 of 80 tracked Greater Bank Limited home loan products
Interest
7.66%p.a.
Comparison*
8.01%p.a.
Est. repayment
$3,551
LVR not stated
Interest
6.49%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.34%p.a.
Comparison*
8.03%p.a.
Est. repayment
$3,108
LVR not stated
Greater Bank LimitedUltimate Packaged Home Loan - Variable Interest Only Owner Occupied
VariableOffsetRedraw
Interest
7.76%p.a.
Comparison*
8.03%p.a.
Est. repayment
$3,586
LVR not stated
Greater Bank LimitedUltimate Packaged Home Loan - Fixed 2 Year Interest Only Investment
2y FixedRedraw
Interest
6.44%p.a.
Comparison*
8.04%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.39%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.49%p.a.
Comparison*
8.06%p.a.
Est. repayment
$3,157
LVR not stated
Interest
8.13%p.a.
Comparison*
8.18%p.a.
Est. repayment
$3,714
LVR not stated
Interest
6.39%p.a.
Comparison*
8.19%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.34%p.a.
Comparison*
8.20%p.a.
Est. repayment
$3,108
LVR not stated
Greater Bank LimitedUltimate Packaged Home Loan - Fixed 1 Year Interest Only Investment
1y FixedRedraw
Interest
6.44%p.a.
Comparison*
8.20%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.49%p.a.
Comparison*
8.20%p.a.
Est. repayment
$3,157
LVR not stated
Interest
8.23%p.a.
Comparison*
8.23%p.a.
Est. repayment
$3,749
LVR not stated
Interest
8.24%p.a.
Comparison*
8.25%p.a.
Est. repayment
$3,753
LVR not stated
Interest
8.34%p.a.
Comparison*
Not available
Est. repayment
$3,788
LVR not stated
Interest
8.04%p.a.
Comparison*
8.39%p.a.
Est. repayment
$3,683
LVR not stated
Greater Bank LimitedUltimate Packaged Home Loan - Variable Interest Only Investment
VariableOffsetRedraw
Interest
8.14%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,718
LVR not stated
Interest
8.36%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,795
LVR not stated
Interest
8.46%p.a.
Comparison*
8.46%p.a.
Est. repayment
$3,830
LVR not stated
*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.
Who is Greater Bank Limited?
Greater Bank is a customer-owned bank with more than 75 years of history in Newcastle and the Hunter. On 1 March 2023 it merged with Newcastle Permanent to form NGM Group (Newcastle Greater Mutual Group), one of Australia's largest customer-owned banking groups, which had grown to around 635,000 customers and over $23 billion in assets by its FY25 results.
The Greater Bank brand continues under the group with its own products and pricing, serving its heartland across Newcastle, the Hunter, the Central Coast and northern New South Wales.
Who suits a Greater Bank Limited home loan?
Greater Bank tends to suit NSW borrowers, particularly in Newcastle, the Hunter and the Central Coast, who want customer-owned pricing backed by one of the sector's biggest balance sheets. Its variable rates often sit well under the big four, so check where it lands in the live table above.
Background facts checked 11 September 2026. Rates above refresh independently.
Greater Bank Limited home loans: frequently asked questions
What are Greater Bank Limited home loan rates?
Greater Bank Limited home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.84% p.a., and the lowest fixed rate is 6.24% p.a., last verified 8 Sept 2026. Compare Greater Bank Limited against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Greater Bank Limited balance, use /calculators/extra-repayment.
What is the lowest Greater Bank Limited home loan rate?
Greater Bank Limited's lowest variable home loan rate is currently 5.84% p.a., and its lowest fixed rate is 6.24% p.a., based on the 20 Greater Bank Limited products Ratesniffers ranks by comparison rate, last verified 8 Sept 2026. The advertised rate isn't always the rate Greater Bank Limited approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Greater Bank Limited home loan?
At Greater Bank Limited's lowest variable rate of 5.84% p.a., a $600,000 principal and interest loan over 30 years repays about $3,536 a month, and $500,000 about $2,947. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Greater Bank Limited home loan?
There is no single salary. Like every Australian lender, Greater Bank Limited must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.84% p.a. is assessed at about 8.84% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Greater Bank Limited's home loan rate compare to the market?
Greater Bank Limited's lowest variable home loan rate today is 5.84% p.a., which is 40 basis points below the market median of 6.24% p.a., which puts Greater Bank Limited 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 Greater Bank Limited sits right now rather than a fixed snapshot.
How many home loan products does Greater Bank Limited offer?
Ratesniffers currently tracks 80 Greater Bank Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 20 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Greater Bank Limited competitive for refinancing?
It depends on your loan size and LVR. Greater Bank Limited's lowest comparison rate is currently 5.85% 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 Greater Bank Limited against the sharpest available rate usually pays off.
How often are Greater Bank Limited's home loan rates updated?
Ratesniffers last verified Greater Bank Limited's home loan rates on 8 Sept 2026. Rates can change whenever Greater Bank Limited reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.