Greater Bank
Ultimate Packaged Home Loan - Fixed 4 Year Interest Only Investment
Packaged home loan, with multiple features for one annual fee
Home loansBank updated 9 Sept 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $395
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 4 yrs fixed | — | 6.69% | 7.86% | — |
§ 02 — Fees · 28
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Foreign currency deposit fee | Deposit | $5 | — | — |
| Information fee - Per Page | Enquiry | $1 | — | Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you… |
| Information fee | Enquiry | $20 | — | $20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan… |
| Government charges | Event | Varies | — | Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Cre… |
| Law stationers fee | Event | Varies | — | Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a… |
| Legal fee | Event | Varies | — | Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or con… |
| Mercantile agents fee | Event | Varies | — | Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security. |
| Property Exchange Australia (PEXA) transaction fee | Event | Varies | — | Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a fi… |
| Registration fee | Event | Varies | — | Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security. |
| Break costs | Exit | Varies | — | A break cost fee will be charged if we estimate we will make an economic loss as a result of the payout or a break from the fixed term |
| Discharge administration fee | Exit | $300 | — | A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost w… |
| Default Administration Fee | Late payment | $50 | — | In default by an amount that is less than 2 repayments $20.00, otherwise $50.00. |
| Default notice fee | Late payment | $50 | — | Payable when we send you a notice informing you of a default under this contract |
| Prepayment fee | Payment | Varies | — | The prepayment fee is charged if we estimate we will make an economic loss as a result of extra repayments during a fixed rate term. |
| Annual package fee | Periodic | $395 | Every 1 yr | — |
| SMS alert fee | Transaction | $0.20 | — | Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions. |
| Additional loan / Top Up fee | Upfront | $350 | — | $350 payable when you apply for an additional home loan or increase your borrowings (using only your existing security) plus $250 for each additional security |
| Establishment fee | Upfront | $500 | — | $500.00 based on one security plus $250.00 for each additional security. |
| Guarantee fee | Upfront | $200 | — | Payable for each guarantee provided |
| Mortgage Insurance Premium Fee | Upfront | Varies | — | Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy. |
| Settlement processing fee | Upfront | $180 | — | Payable for costs we incur in arranging settlement of the loan |
| Title insurance premium | Upfront | Varies | — | Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy. |
| Administration fee | Variation | $350 | — | Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Securit… |
| Conversion fee - Switch to any other loan type | Variation | $350 | — | $350 payable when you change the type or structure of your loan without borrowing more e.g. changing loan products, switching from fixed to variable or changing between Principal & Interest and I… |
| Bank transfer fee | Withdrawal | $8 | — | Applicable when receiving an inward RTGS (Real time gross settlement) |
| EasyPay notification fee - Letter | Withdrawal | $8 | — | — |
| EasyPay notification fee - SMS | Withdrawal | $0.20 | — | — |
| Redraw over-the-counter fee | Withdrawal | $30 | — | Each time you re-borrow money by making written application to any branch of Greater Bank Ltd. |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital banking
- · Split Loan
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residents only
- · Available to individuals
- · Amount $30,000 to no maximum
- · Maximum LVR 90%
- · Must be identifiable in terms of legislative requirements. Lending criteria apply.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Greater Bank Limited under the Consumer Data Right, last changed by them on 9 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.