Home loan refinance | Great Southern Bank

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class="main-menu_primary-item-group-item" id="menu_Termdepositcalculator3"><a href="/banking/term-deposits/term-deposit-calculator"><span>Term deposit calculator</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallbanking6mobile381473"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/banking" >Explore all banking</a></div><div class="main-menu_primary-item-quicklink main-menu_primary-item-quicklink--with-image mb-3 mt-2" id="menu_DigitalBanking5mobile383948"><a class="d-flex align-center ph-2 pv-3 pv-1-md border-neutral-300 box-rad-8 bg-purewhite" href="/digital-banking" ><div class="main-menu_primary-item-quicklink--with-image-text direction-row align-center flex-1"> <div>Digital Banking</div> <div class="icon-css icon-arrow-heritageteal icon-size-2 main-menu_primary-item-quicklink--with-image-icon"></div> </div><img class="main-menu_primary-item-quicklink__image flex-1 lazyload" data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0029/507926/phone-menu.png" /></a></div> </div> <div class="main-menu_primary-item-promo-wrap d-none-menu-mobile"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare savings accounts</div><div class="main-menu_primary-item-promo-copy">Unsure which savings account to choose? Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts40"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item-featured-links bg-neutral-100 pv-3-lg d-flex-lg align-center"> <div class="main-menu_primary-item-featured-links__inner"> <div class="main-menu_primary-item-featured-links__title headline-5-regular headline-6-regular-md color-deepocean">Explore features</div> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Digital wallets" href="https://www.greatsouthernbank.com.au/digital-banking/digital-wallet"> <span class="main-menu_primary-item-featured-links__item-text headline-6">Digital wallets</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Vault" href="https://www.greatsouthernbank.com.au/digital-banking/the-vault"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Vault</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Boost" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Boost</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Card controls" href="https://www.greatsouthernbank.com.au/digital-banking/card-controls"> <span> <span class="main-menu_primary-item-featured-links__item-text headline-6">Card controls</span> <div class="badge badge-sm badge-solid-feature ml-1">New</div> </span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> </div> </div><div class="main-menu_primary-item-promo-wrap d-none-menu-desktop"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts71"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare savings accounts</div><div class="main-menu_primary-item-promo-copy">Unsure which savings account to choose? Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts41"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Credit Cards</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Credit Cards</div> <div class="main-menu_primary-item-content-blurb"> Give yourself breathing room for when unexpected stuff happens. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6desktop479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6desktop500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections main-menu_primary-item-group main-menu-type2"> <div class="main-menu_primary-item-group-heading main-menu-type2_heading generic-accordion--active" data-generic-accordion="title">Credit Cards</div> <div class="main-menu_primary-item-group-list main-menu-type2_group generic-accordion--active generic-accordion--finished" data-generic-accordion="content"> <div class="main-menu-type2_section"> <div class="main-menu-type2_item" id="menu_LowRateCreditCard8"> <div class="main-menu-type2_item-image main-menu-type2_item-image--single"> <a class="main-menu-type2_item-link" href="/credit-cards/low-rate" > <div class="main-menu-type2_item-thumbnail"><img data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0027/478035/card-mastercard-low-rate-mega-menu.webp" alt="Low Rate Credit Card" class="lazyload" /></div> </a> </div> <a href="/credit-cards/low-rate" class="main-menu-type2_item-title">Low Rate Credit Card</a> <div class="main-menu-type2_item-learn"> <a href="/credit-cards/low-rate" >Learn more</a> </div> </div> </div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6mobile479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6mobile500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Smartwaystouseacreditcard70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Smart ways to use a credit card</div><div class="main-menu_primary-item-promo-copy">Learn how a credit card works and other handy tips before you apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/credit-cards/how-do-credit-cards-work" aria-label="Smart ways to use a credit card">Smart ways to use a credit card</a></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Home Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Home Loans</div> <div class="main-menu_primary-item-content-blurb"> Find the right loan to make your home-owning dreams come true. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6desktop465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6desktophttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_HomeLoans1"><a href="/home-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--home-loan"></use></svg>Home Loans</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeLoans2"><a href="/home-loans">See All Home Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_BasicVariableHomeLoan3"><a href="/home-loans/basic-variable"><span>Basic Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_OffsetVariableHomeLoan3"><a href="/home-loans/offset-variable"><span>Offset Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_FixedRateHomeLoan3"><a href="/home-loans/fixed-rate"><span>Fixed Rate Home Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_SupportSchemes1"><a href="/home-loans/home-guarantee-scheme"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-owner-occupier"></use></svg>Support Schemes</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_SupportSchemes2"><a href="/home-loans/home-guarantee-scheme">See All Support Schemes</a></div><div class="main-menu_primary-item-group-item" id="menu_FirstHomeGuarantee3"><a href="/home-loans/first-home-guarantee"><span>First Home Guarantee </span></a></div><div class="main-menu_primary-item-group-item" id="menu_FamilyHomeGuarantee3"><a href="/home-loans/family-home-guarantee"><span>Family Home Guarantee</span></a></div><div class="main-menu_primary-item-group-item" id="menu_RegionalFirstHomebrBuyerGuarantee3"><a href="/home-loans/regional-first-home-buyer-guarantee"><span>Regional First Home<br>Buyer Guarantee</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Calculators1"><a href="/home-loans/home-loan-calculators"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--calculator"></use></svg>Calculators</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Calculators2"><a href="/home-loans/home-loan-calculators">See All Calculators</a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpower3"><a href="https://research.application.greatsouthernbank.com.au/lara/borrowing-power" target="_blank" rel="noopener" ><span>Borrowing power</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Repayments3"><a href="/home-loans/home-loans-repayment-calculator"><span>Repayments</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinance3"><a href="/home-loans/refinance-calculator"><span>Refinance</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Loancomparison3"><a href="/home-loans/loan-comparison-calculator"><span>Loan comparison</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Stampduty3"><a href="/home-loans/stamp-duty-calculator"><span>Stamp duty</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Splitloan3"><a href="/home-loans/split-loan-calculator"><span>Split loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Rentvsbuy3"><a href="https://research.application.greatsouthernbank.com.au/lara/buy-or-rent" target="_blank" rel="noopener" ><span>Rent vs. buy</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Upfrontcosts3"><a href="/home-loans/upfront-costs-calculator"><span>Upfront costs</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I am...</div></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Savingforadeposit3"><a href="/home-loans/saving-for-a-deposit"><span>Saving for a deposit</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmyfirsthome3"><a href="/home-loans/buying-your-first-home"><span>Buying my first home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmynexthome3"><a href="/home-loans/buying-your-next-home"><span>Buying my next home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingorbuildingagreenhome3"><a href="/home-loans/green-home-offer"><span>Buying or building a green home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buildingmyhome3"><a href="/home-loans/building"><span>Building my home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancing3"><a href="/home-loans/refinance"><span>Refinancing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Investing3"><a href="/home-loans/investing"><span>Investing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovating3"><a href="/home-loans/renovating"><span>Renovating</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6mobile465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6mobilehttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-xs.jpg [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-sm.jpg "></div><div class="main-menu_primary-item-promo" id="menu_FirstHomeGuarantee70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">First Home Guarantee</div><div class="main-menu_primary-item-promo-copy">Buy your first home with as little as 5% deposit. T&Cs apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/home-loans/first-home-guarantee" >First Home Guarantee</a><div class="main-menu_primary-item-promo-link" id="menu_FirstHomeGuarantee40"><a href="/home-loans/first-home-guarantee" >Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Personal Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Personal Loans</div> <div class="main-menu_primary-item-content-blurb"> Whatever you need extra funds for, we can make it happen. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_PersonalLoans1"><a href="/personal-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--personal-loan"></use></svg>Personal Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_PersonalLoans2"><a href="/personal-loans">See All Personal Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredFixedLoan3"><a href="/personal-loans/unsecured-fixed-rate"><span>Unsecured Fixed Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredFixedCarLoan3"><a href="/personal-loans/secured-fixed-car-loan"><span>Secured Fixed Car Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredGreenLoan3"><a href="/personal-loans/unsecured-green-personal-loan"><span>Unsecured Green Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_GreenCarLoan3"><a href="/personal-loans/electric-car-loan"><span>Green Car Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarLoans1"><a href="/personal-loans/car-loan"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarLoans2"><a href="/personal-loans/car-loan">See All Car Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_Usedcarloan3"><a href="/personal-loans/used-car-loans"><span>Used car loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancecarloan3"><a href="/personal-loans/refinance-my-car-loan"><span>Refinance car loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I need a loan for...</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Debtconsolidation3"><a href="/personal-loans/debt-consolidation"><span>Debt consolidation</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovations3"><a href="/personal-loans/home-renovation-loan"><span>Renovations</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Travel3"><a href="/personal-loans/travel-loan"><span>Travel</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Education3"><a href="/personal-loans/education"><span>Education</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Mywedding3"><a href="/personal-loans/wedding-loans"><span>My wedding</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Medical3"><a href="/personal-loans/medical-loans"><span>Medical</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Boat3"><a href="/personal-loans/boat-loans"><span>Boat</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Caravan3"><a href="/personal-loans/caravan-loans"><span>Caravan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">Calculators</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Repaymentscalculator3"><a href="/personal-loans/personal-loans-repayment-calculator"><span>Repayments calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpowercalculator3"><a href="/personal-loans/personal-loans-borrowing-power-calculator"><span>Borrowing power calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Carloancalculator3"><a href="/personal-loans/car-loan/car-loan-calculator"><span>Car loan calculator</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparepersonalloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare personal loans</div><div class="main-menu_primary-item-promo-copy">Unsure which personal loan to choose? Compare rates, features, and loan purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare personal loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparepersonalloans40"><a href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Business</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Business</div> <div class="main-menu_primary-item-content-blurb"> Business banking built for smaller small businesses. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6desktop394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6desktop507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessbankaccounts1"><a href="/business-banking/business-bank-accounts"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business bank accounts</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessbankaccounts2"><a href="/business-banking/business-bank-accounts">See All Business bank accounts</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessAccount3"><a href="/business-banking/business-bank-accounts/business-plus-account"><span>Business+ Account</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessSaver3"><a href="/business-banking/business-bank-accounts/business-plus-saver"><span>Business+ Saver</span></a></div><div class="main-menu_primary-item-group-item" id="menu_EverydayBusinessAccount3"><a href="/business-banking/business-bank-accounts/everyday-business-account"><span>Everyday Business Account</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessloansampfinance1"><a href="/business-banking/loans-finance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-finance"></use></svg>Business loans & finance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessloansampfinance2"><a href="/business-banking/loans-finance">See All Business loans & finance</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredLoan3"><a href="/business-banking/loans-finance/business-plus-loan"><span>Business+ Unsecured Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredOverdraft3"><a href="/business-banking/loans-finance/business-plus-overdraft"><span>Business+ Unsecured Overdraft</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessVehicleLoan3"><a href="/business-banking/loans-finance/business-plus-vehicle-loan"><span>Business+ Vehicle Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredBusinessLoan3"><a href="/business-banking/loans-finance/secured-business-loan"><span>Secured Business Loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessdigitalbanking1"><a href="/business-banking/business-plus-digital-banking"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business+ digital banking</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessdigitalbanking2"><a href="/business-banking/business-plus-digital-banking">See All Business+ digital banking</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessInvoices3"><a href="/business-banking/business-plus-digital-banking/business-plus-invoices"><span>Business+ Invoices</span></a></div><div class="main-menu_primary-item-group-item" id="menu_DigitalWallets3"><a href="/digital-banking/digital-wallet"><span>Digital Wallets</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BankFeeds3"><a href="/business-banking/business-hub/setting-up-bank-feeds-with-business-plus"><span>Bank Feeds</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6mobile394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6mobile507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Comparebusinessloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare business loans</div><div class="main-menu_primary-item-promo-copy">Find the right loan to grow your small business</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare business loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparebusinessloans40"><a href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Insurance</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Insurance</div> <div class="main-menu_primary-item-content-blurb"> <div class="main-menu_primary-item-content-blurb-select select-bravo__wrap"> <div class="nice-select select-bravo select-bravo-sm ml-0 ml-05-lg" tabindex="0"><span class="current">Get a quote for...</span> <ul class="list"> <li id="mega-nav-quote-car" data-value="1" class="option selected focus"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/motor/new?fi=CUA"><span class="color-neutral-900">Car</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-home" data-value="2" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/home/new?fi=CUA"><span class="color-neutral-900">Home</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-landlord" data-value="3" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/landlord/new?fi=CUA"><span class="color-neutral-900">Landlord</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-caravantailer" data-value="4" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/caravan/new?fi=CUA"><span class="color-neutral-900">Caravan & Trailer</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-travel" data-value="5" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.greatsouthernbank.com.au/insurance/travel"><span class="color-neutral-900">Travel</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-life" data-value="6" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://direct.zurich.com.au/greatsouthernbank?IntermediaryID=cua&ProductID=EZLU"><span class="color-neutral-900">Life</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> </ul> </div> </div> </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6desktop389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6desktophttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarInsurance1"><a href="/insurance/car-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarInsurance2"><a href="/insurance/car-insurance">See All Car Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_Comprehensive3"><a href="/insurance/car-insurance/comprehensive-car-insurance"><span>Comprehensive</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ThirdParty3"><a href="/insurance/car-insurance/third-party-property-damage"><span>Third Party</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_HomeInsurance1"><a href="/insurance/home-and-contents-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--home-contents"></use></svg>Home Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeInsurance2"><a href="/insurance/home-and-contents-insurance">See All Home Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_HomeampContents3"><a href="/insurance/home-and-contents-insurance"><span>Home & Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/home-and-contents-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/home-and-contents-insurance"><span>Contents Only</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LandlordInsurance1"><a href="/insurance/landlord-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-investment"></use></svg>Landlord Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LandlordInsurance2"><a href="/insurance/landlord-insurance">See All Landlord Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingandContents3"><a href="/insurance/landlord-insurance"><span>Building and Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/landlord-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/landlord-insurance"><span>Contents Only</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CaravanandTrailerInsurance1"><a href="/insurance/caravan-and-trailer-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--caravan"></use></svg>Caravan and Trailer Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CaravanandTrailerInsurance2"><a href="/insurance/caravan-and-trailer-insurance">See All Caravan and Trailer Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_TravelInsurance1"><a href="/insurance/travel"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--plane"></use></svg>Travel Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_TravelInsurance2"><a href="/insurance/travel">See All Travel Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LifeInsurance1"><a href="/insurance/life-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--heart"></use></svg>Life Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LifeInsurance2"><a href="/insurance/life-insurance">See All Life Insurance</a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6mobile389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6mobilehttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Homeandcontentsinsurance70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Home and contents insurance</div><div class="main-menu_primary-item-promo-copy">Insure the things you love and that make your house a home, with home and contents insurance.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Home and contents insurance</a><div class="main-menu_primary-item-promo-link" id="menu_Homeandcontentsinsurance40"><a href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-misc"> <div class="main-menu_primary-misc-inner top-border-gray"> <div class="main-menu_primary-misc-links"> <div class="main-menu_primary-misc-block"> <div 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module-429174_breadcrumb_list"><li class="banner-module_breadcrumb_item module-429174_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au" class="banner-module_breadcrumb_link test">Home</a></li><li class="banner-module_breadcrumb_item module-429174_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au/home-loans" class="banner-module_breadcrumb_link test">Home Loans</a></li><li class="banner-module_breadcrumb_item module-429174_breadcrumb_item"><a href="https://www.greatsouthernbank.com.au/home-loans/refinance" class="banner-module_breadcrumb_link banner-module_breadcrumb_link--is-active">Home loan refinance</a></li></ul> </div> <div class="banner-module_text-content module-429174_text-content "> <div class="banner-module_text-content-inner has-image-nested module-429174_text-content-inner "> <h1 class="banner-module_title module-429174_title"> Home loan refinance </h1> <div class="banner-module_subtitle module-429174_subtitle"> Basic Variable Home Loan </div> <div class="banner-module_rates module-429174_rates"> <div class="banner-module_rate module-429174_rate banner-module_rate--standard module-429174_rate--standard "> <div class="banner-module_rate-label module-429174_rate-label"> Discounted rates from </div> <div class="banner-module_rate-num-per module-429174_rate-num-per"> <div class="banner-module_rate-number module-429174_rate-number"> 6.14 </div> <div class="banner-module_rate-percent module-429174_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> <div class="banner-module_rate banner-module_rate--comparison module-429174_rate module-429174_rate--comparison "> <div class="banner-module_rate-label module-429174_rate-label"> Comparison rate^ </div> <div class="banner-module_rate-num-per module-429174_rate-num-per"> <div class="banner-module_rate-number module-429174_rate-number"> 6.20 </div> <div class="banner-module_rate-percent module-429174_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> <div class="banner-module_disclaimer mv-2 mt-4-sm">Owner occupier, principal & interest, LVR 70% or less. Includes discount on new and additional lending. Min. loan amount applies.<sup> 2, 3, 4</sup></div> <div class="banner-module_nested-in-text module-429174_nested-in-text move-to-text"> <div data-component="Nested Card" data-global-content="product card" data-cid="nested-card" data-aid="479498" class='nested-card module-479498 '> <div class="nested-card__inner box-rad-4 box-rad-tr-56 box-shad-sm bg-purewhite p-3"><div class='badge badge-solid-offer badge-md mb-3 '>OFFER</div> <div class='color-neutral-900 paragraph-1'><div class="mb-1 d-block headline-4 color-deepocean">Apply online and save $600</div> <div>with $0 establishment fee!<sup>#</sup></div></div> <a class='btn btn-md mt-3 btn-primary-standard btn-arrow' href='/home-loans/home-loan-application' data-trigger-vars="hl-apply">Apply online</a> <div><div class="d-flex align-center paragraph-3 color-neutral-700 mt-2"><div class="icon-css icon-time-neutral-700 icon-size-3 mr-1"></div>It takes around 20 minutes</div></div> </div> </div> </div> </div> <div class="banner-module_nested-on-image module-429174_nested-on-image move-to-text "> <div class="banner-module_nested-on-image-inner module-429174_nested-on-image-inner"> <div data-component="Nested Card" data-global-content="product card" data-cid="nested-card" data-aid="479498" class='nested-card module-479498 '> <div class="nested-card__inner box-rad-4 box-rad-tr-56 box-shad-sm bg-purewhite p-3"><div class='badge badge-solid-offer badge-md mb-3 '>OFFER</div> <div class='color-neutral-900 paragraph-1'><div class="mb-1 d-block headline-4 color-deepocean">Apply online and save $600</div> <div>with $0 establishment fee!<sup>#</sup></div></div> <a class='btn btn-md mt-3 btn-primary-standard btn-arrow' href='/home-loans/home-loan-application' data-trigger-vars="hl-apply">Apply online</a> <div><div class="d-flex align-center paragraph-3 color-neutral-700 mt-2"><div class="icon-css icon-time-neutral-700 icon-size-3 mr-1"></div>It takes around 20 minutes</div></div> </div> </div> </div> </div> </div> </div>   </div> </div> </div> </div> <div id="subnav" class="subnav_wrapper subnav_controller module-471088 " data-component="Sub Nav" data-cid="subnav" data-aid="471088"> <div data-subnav-inner> <div class="subnav"> <div class="subnav_inner"> <div class="subnav_jump-to" data-jump-btn > Jump to </div> <div class="subnav_left-wrap"> <div class="subnav_heading">Refinance</div> </div> <div class="subnav_sections headline-5-regular" data-subnav-sections><a class="subnav_section" data-id="#why-refinance" href="#why-refinance" data-module="" data-position="" data-label="Why refinance?" >Why refinance?</a><a class="subnav_section" data-id="#refinance-calculator" href="#refinance-calculator" data-module="" data-position="" data-label="Refinance calculator" >Refinance calculator</a><a class="subnav_section" data-id="#compare-home-loans" href="#compare-home-loans" data-module="" data-position="" data-label="Compare home loans" >Compare home loans</a><a class="subnav_section" data-id="#refinance-process" href="#refinance-process" data-module="" data-position="" data-label="Refinance process" >Refinance process</a><a class="subnav_section" data-id="#faqs" href="#faqs" data-module="" data-position="" data-label="FAQs" >FAQs</a></div> <div class="subnav_right d-flex align-center justify-between"> <div class="subnav_button "><a href="https://services.greatsouthernbank.com.au/gsb/website/webforms/enquiry/home-loan.html?_ga=2.2280944.1385824359.1629068980-223535507.1620877893" class="cta-subnav" data-module-name="button" data-link-name=":subnav:Enquire now"><div>Refinance now</div></a></div> </div> </div> </div> </div> </div> <div class="subnav_offset"></div> <div id="why-refinance" data-component="Benefits - simple" data-cid="benefits" data-aid="429178" class="benefits-module module-429178 benefits-module--simple page_content-row spacing-top--lg spacing-bottom--lg "> <div class="benefits-module_inner module-429178_inner page_content-row_inner "> <div class="benefits-module_row module-429178_row"> <div class="benefits-module_text module-429178_text"> <h2 class="benefits-module_title module-429178_title"> Why refinance your home loan to Great Southern Bank? </h2> </div> <div class="benefits-module_list module-429178_list"> <div class="benefits-module_block module-429178_block" data-global-content="benefit" data-aid="429201"> <div class="benefits-module_block-inner module-429178_block-inner"> <div class="benefits-module_block-icon module-429178_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-features--boost" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text module-429178_block-text"> <div class="benefits-module_block-header module-429178_block-header">The Boost</div> <div class="benefits-module_block-copy module-429178_block-copy">Set up additional loan repayments every time you make a purchase with your Great Southern Bank Visa Debit card<sup>1</sup>. <br><br> <a href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans">Find out more</a></div> </div> </div> </div><div class="benefits-module_block module-429178_block" data-global-content="benefit" data-aid="429202"> <div class="benefits-module_block-inner module-429178_block-inner"> <div class="benefits-module_block-icon module-429178_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--no-fee" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text module-429178_block-text"> <div class="benefits-module_block-header module-429178_block-header">Fee-free extra repayments & free redraw</div> <div class="benefits-module_block-copy module-429178_block-copy">You can make unlimited repayments to our variable home loans free of charge, and up to $30,000 on fixed loans<sup>9</sup>. There’s also the peace-of-mind of free redraw on additional repayments in case of emergency<sup>7</sup>.</div> </div> </div> </div><div class="benefits-module_block module-429178_block" data-global-content="benefit" data-aid="429203"> <div class="benefits-module_block-inner module-429178_block-inner"> <div class="benefits-module_block-icon module-429178_block-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--flexible" xlink:type="simple"></use> </svg> </div> <div class="benefits-module_block-text module-429178_block-text"> <div class="benefits-module_block-header module-429178_block-header">Flexible repayments</div> <div class="benefits-module_block-copy module-429178_block-copy">Because interest is calculated daily, you could pay your loan off quicker by choosing weekly or fortnightly (rather than monthly) repayments.</div> </div> </div> </div> </div> </div> </div> </div><div data-component="Content/Columns (utility)" data-cid="columns-utility" data-aid="465207" class="col-module module-465207 page_content-row "> <div class="col-module__inner module-465207__inner page_content-row_inner"> <div class="row row-gap headline-2"><div class="col "><h2 class="headline-2 color-deepocean text-center">See how much you can save</h2></div></div> </div> </div> <div id="refinance-calculator" data-component="Columns ()" data-cid="columns-asset-listing" data-aid="465209" class="columns module-465209 page_content-row spacing-top--md spacing-bottom--md "> <div class="columns_inner module-465209_inner page_content-row_inner "> <div class="columns_list module-465209_list"><div class="columns_single-column module-465209_single-column columns_single-column-430875"> <input type="hidden" id="RefiCalc_rate_owner" value="6.14"/> <input type="hidden" id="RefiCalc_rate_investor" value="6.34"/> <div class="refinance-calculator"> <div class="refinance-calculator_inner"> <div class="refinance-calculator_inputs"> <div class="refinance-calculator_inputs-header"> <div class="refinance-calculator_inputs-title"> Your current home loan </div> </div> <div class="refinance-calculator_inputs-top"> <div class="refinance-calculator_input refinance-calculator_input--amount"> <label for="RefiCalc_amount">Current loan amount</label> <input id="RefiCalc_amount" type="tel" pattern="[0-9]*" name="" value="$300,000" data-min="250000" data-min-boost-off="250000" data-min-boost-on="500000" data-max="5000000"/> <div class="form_helper-text">Loan amount must be between  <span class="refi-calculator_input-min">$250,000</span>  and  <span class="refi-calculator_input-max">$5,000,000</span> </div> </div> <div class="refinance-calculator_input refinance-calculator_input--time-remaining"> <label for="myRange">Time remaining</label> <div class="refinance-calculator_input-slider-group"> <div class="refinance-calculator_input-slider"> <input type="range" id="RefiCalc_time" min="1" max="30" value="20" class="slider" class="" data-form-element-range> </div> <div class="refinance-calculator_input-slider-text"> <input type="text" id="RefiCalc_time-text" name="" value="20 years"/> </div> </div> </div> <div class="refinance-calculator_input refinance-calculator_input--rate"> <label for="RefiCalc_rate">Current rate</label> <div class="refinance-calculator_input-slider-group"> <div class="refinance-calculator_input-slider"> <input type="range" min="1.00" max="10.00" value="8.00" id="RefiCalc_rate" step="0.05" data-form-element-range/> </div> <div class="refinance-calculator_input-slider-text"> <input type="text" id="RefiCalc_rate-text" name="" value="8.00%"/> </div> </div> </div> <div class="refinance-calculator_input refinance-calculator_input--loan-purpose"> <label>Loan purpose</label> <div class="refinance-calculator_input-field" data-form-element-toggle> <div class="refinance-calculator_input-field-block"> <input type="radio" id="RefiCalc_loan_purpose_owner" name="refi-calc_loan-purpose" value="0" checked/> <label for="RefiCalc_loan_purpose_owner">Live in</label> </div> <div class="refinance-calculator_input-field-block"> <input type="radio" id="RefiCalc_loan_purpose_investor" value="1" name="refi-calc_loan-purpose"/> <label for="RefiCalc_loan_purpose_investor">Investor</label> </div> </div> </div> </div> <div class="refinance-calculator_boost"> <div class="refinance-calculator_boost-title"> Power up your repayments with The Boost <div class="refinance-calculator_tooltip2"> <div class="refinance-calculator_tooltip2-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-question-mark"></use> </svg> </div> <div class="refinance-calculator_tooltip2-content"> The Boost allows you to pre-set an amount between $0.01 and $5 to go towards your home loan whenever you use your Great Southern Bank Visa Debit card. Toggle on to see how much difference this could make every month</a> </div> <div class="refinance-calculator_tooltip2-arrow"> </div> </div> <div class="refinance-calculator_tooltip" style="display: none;"> <svg class="refinance-calculator_tooltip-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-question-mark"></use> </svg> <div class="refinance-calculator_tooltip-text">The Boost allows you to pre-set an amount between $0.01 and $5 to go towards your home loan whenever you use your Great Southern Bank Visa Debit card. Toggle on to see how much difference this could make every month</div> </div> </div> <div class="refinance-calculator_boost-field" data-form-element-toggle> <div class="refinance-calculator_boost-field-block"> <input type="radio" id="RefiCalc_boost_off" name="refi-calc_boost" value="off" checked/> <label for="RefiCalc_boost_off">Off</label> </div> <div class="refinance-calculator_boost-field-block"> <input type="radio" id="RefiCalc_boost_on" name="refi-calc_boost" value="on"/> <label for="RefiCalc_boost_on">On</label> </div> </div> <div class="refinance-calculator_boost-spend"> <div class="refinance-calculator_boost-spend-inner">            <div class="refinance-calculator_input"> <label for="">Average number of transactions per day</label> <div class="refinance-calculator_input-slider-group"> <div class="refinance-calculator_input-slider"> <input type="range" id="RefiCalc_boost-transactions" class="slider" min="1" max="10" step="1" value="5" data-form-element-range/> </div> <div class="refinance-calculator_input-slider-text"> <input type="text" id="RefiCalc_boost-transactions-text" name="" value="5" /> </div> </div> </div> <div class="refinance-calculator_input"> <label for="">The Boost transfer amount ($0.50 - $5.00)</label> <div class="refinance-calculator_input-slider-group"> <div class="refinance-calculator_input-slider"> <input type="range" id="RefiCalc_boost-amount" min="0.50" max="5" step="0.50" value="1.00" data-form-element-range/> </div> <div class="refinance-calculator_input-slider-text"> <input type="text" id="RefiCalc_boost-amount-text" name="" value="$1.00" /> </div> </div> </div> <div class="refinance-calculator_boost-spend-text"> Pay down your home loan faster. Tell us the number of transactions you make per day and select a transfer amount to see how much you could save over the lifetime of your loan. </div> </div> </div> </div> </div> <div class="refinance-calculator_results"> <div class="refinance-calculator_results-inner"> <div class="refinance-calculator_current-slide"> <div class="refinance-calculator_results-view" id="RefiCalc_savings"> <div class="refinance-calculator_savings-title">Switch to us and you could save:</div> <div class="refinance-calculator_savings-product">Based on a Basic Variable Principal & Interest Home Loan Rate (LVR is 70% or less)</div> <div class="refinance-calculator_savings-properties"> <div class="refinance-calculator_savings-property"> <div id="RefiCalc_boost-badge" class="refinance-calculator_badge">THE BOOST NOT ACTIVATED</div> <div class="refinance-calculator_tooltip2"> <div class="refinance-calculator_tooltip2-icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-question-mark"></use> </svg> </div> <div class="refinance-calculator_tooltip2-content"> Power up your repayments with The Boost. Toggle on to see how much extra you could be putting towards your home loan every month. </div> <div class="refinance-calculator_tooltip2-arrow"> </div> </div> <div class="refinance-calculator_tooltip" style="display: none;"> <svg class="refinance-calculator_tooltip-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-question-mark"></use> </svg> <div class="refinance-calculator_tooltip-text">Power up your repayments with The Boost. Toggle on to see how much extra you could be putting towards your home loan every month.</div> </div> </div> </div> <div class="refinance-calculator_savings-numbers"> <div class="refinance-calculator_savings-interest"> <div id="RefiCalc_savings-interest-value" class="refinance-calculator_savings-value">$0</div> <div class="refinance-calculator_savings-label">interest saved over the life of loan</div> </div> <div class="refinance-calculator_savings-repayments"> <div class="refinance-calculator_savings-repayments-monthly"> <div id="RefiCalc_savings-monthly-value" class="refinance-calculator_savings-value">$0</div> <div class="refinance-calculator_savings-label">in monthly repayments</div> </div> <div id="RefiCalc_savings-boost" class="refinance-calculator_savings-repayments-boost"> <div class="refinance-calculator_savings-repayments-boost-inner"> <div class="refinance-calculator_savings-repayments-boost-wrap"> <div id="RefiCalc_savings-boost-value" class="refinance-calculator_savings-value">$0</div> <svg class="refinance-calculator_savings-repayments-boost-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-features--boost"></use> </svg> </div> <div class="refinance-calculator_savings-label">in extra repayments from The Boost</div> </div> </div> </div> <div class="refinance-calculator_savings-time"> <div id="RefiCalc_savings-time-value" class="refinance-calculator_savings-value"></div> <div id="RefiCalc_savings-time-label-no-boost" class="refinance-calculator_savings-label">loan time saved with current repayments</div> <div id="RefiCalc_savings-time-label-boost" class="refinance-calculator_savings-label" style="display: none;">loan time saved with current repayments, with The Boost activated</div> </div> </div> <div class="refinance-calculator_savings-footer"> <div class="refinance-calculator_savings-footer-textwrap"> <div class="refinance-calculator_savings-footer-icon"></div> <div class="refinance-calculator_savings-caveat" data-trigger-modal="#refinance-calculator-modal">Estimates only. How is this calculated?</div> </div> <div class="refinance-calculator_savings-button"> <a href="https://www.greatsouthernbank.com.au/home-loans/home-loan-application">Refinance now in 20 minutes</a> </div> <div class="refinance-calculator_savings-extrabutton"> Want more information? <a href="https://www.greatsouthernbank.com.au/home-loans/home-loan-enquiry">Make an enquiry</a> </div> </div> </div> </div> <div class="refinance-calculator_results-slider"> <div class="refinance-calculator_results-slide1"> </div> <div class="refinance-calculator_results-slide2"> <div class="refinance-calculator_results-view" id="RefiCalc_reasons"> <div class="refinance-calculator_reasons-main"> <div class="refinance-calculator_reasons-title"> Unfortunately, we can't beat your current deal. But hang on a moment! There are plenty of other reasons to choose Great Southern Bank. </div> <div class="refinance-calculator_reasons-features"> <div class="refinance-calculator_reasons-feature"> <svg class="refinance-calculator_reasons-feature-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-features--boost"></use> </svg> <div class="refinance-calculator_reasons-feature-wrap"> <div class="refinance-calculator_reasons-feature-title"> The Boost </div> <div class="refinance-calculator_reasons-feature-text"> Set up automatic loan repayments every time you make a purchase from your transaction account. </div> </div> </div> <div class="refinance-calculator_reasons-feature"> <svg class="refinance-calculator_reasons-feature-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--no-fee"></use> </svg> <div class="refinance-calculator_reasons-feature-wrap"> <div class="refinance-calculator_reasons-feature-title"> Unlimited fee-free repayments </div> <div class="refinance-calculator_reasons-feature-text"> Own your home sooner with the ability to make unlimited extra repayments without penalty. </div> </div> </div> <div class="refinance-calculator_reasons-feature"> <svg class="refinance-calculator_reasons-feature-icon"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--flexible"></use> </svg> <div class="refinance-calculator_reasons-feature-wrap"> <div class="refinance-calculator_reasons-feature-title"> Flexible repayments </div> <div class="refinance-calculator_reasons-feature-text"> Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget. </div> </div> </div> </div> </div> <div class="refinance-calculator_reasons-footer"> <div class="refinance-calculator_reasons-chat"> <div class="refinance-calculator_reasons-chat-avatars">  <div class="refinance-calculator_reasons-chat-avatars-images"> <div class="refinance-calculator_reasons-chat-avatars-image refinance-calculator_reasons-chat-avatars-image--sm"> <img src="https://www.greatsouthernbank.com.au/__data/assets/image/0033/417678/woman-specialist.jpg"/> </div> <div class="refinance-calculator_reasons-chat-avatars-image refinance-calculator_reasons-chat-avatars-image--lg"> <img src="https://www.greatsouthernbank.com.au/__data/assets/image/0032/417677/man-specialist.jpg"/> </div> </div> </div> <div class="refinance-calculator_reasons-chat-text">Speak to a home loan specialist</div> <div class="refinance-calculator_reasons-chat-link" data-trigger-hl-chat="open"><a href="#">Chat to us</a></div> </div> <div class="refinance-calculator_reasons-callback"> <a href="https://www.greatsouthernbank.com.au/home-loans/home-loan-enquiry">Request a callback</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <style> .debugging-table { max-height: 400px; overflow-y: scroll; display: none; } .debugging-table table thead { position: sticky; top: 0; background: #eaeaea; border-bottom: 1px solid #ccc; } </style> <div class="debugging-table refinance-current"> <h3>Original</h3> <table id=""> <thead> <tr> <td>Term</td> <td>Payment</td> <td>Principal start</td> <td>Principal payment</td> <td>Interest payment</td> <td>Principal end</td> </tr> </thead> <tbody> </tbody> </table> </div> <div class="debugging-table refinance-refi"> <h3>Refi</h3> <table id=""> <thead> <tr> <td>Term</td> <td>Payment</td> <td>Principal start</td> <td>Principal payment</td> <td>Interest payment</td> <td>Principal end</td> </tr> </thead> <tbody> </tbody> </table> </div> </div> </div> </div> </div><div data-component="Columns (six-six)" data-cid="columns-asset-listing" data-aid="471090" class="columns module-471090 columns--six-six page_content-row spacing-top--md spacing-bottom--lg "> <div class="columns_inner module-471090_inner page_content-row_inner "> <div class="columns_list module-471090_list"><div class="columns_single-column module-471090_single-column columns_single-column-471093"> <div data-component="Basic Module" data-cid="basic" data-aid="471095" class="basic-module module-471095 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-471095_inner"> <h2 class="basic-module_h2">Mortgage need enhancing? <br />Get clever refinancing.</h2> </div> </div> </div><div class="columns_single-column module-471090_single-column columns_single-column-471097"> <div data-component="Basic Module" data-cid="basic" data-aid="471099" class="basic-module module-471099 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-471099_inner"> <p class="basic-module_p">Spending too much on your home loan? <a href="#why-refinance" class="basic-module_a">Refinancing</a> is a clever way to reduce your expenses and save thousands over the life of your loan.</p><p class="basic-module_p">You don’t have to live with a high interest rate. Refinance to a Great Southern Bank Home Loan and pay your mortgage off sooner with a great competitive rate and no monthly or annual fees.</p><h3 class="basic-module_h3">See how much you can save</h3><p class="basic-module_p">Don’t just take our word for it, our <a href="https://www.greatsouthernbank.com.au/home-loans/refinance-calculator" class="basic-module_a">refinance calculator</a> can show your potential savings.</p> </div> </div> </div> </div> </div> </div><div id='compare-home-loans' data-component="Content/Columns (utility)" data-cid="columns-utility" data-aid="429316" class="col-module module-429316 page_content-row pt-1 pv-4-md bg-neutral-100"> <div class="col-module__inner module-429316__inner page_content-row_inner"> <div class="row row-gap color-neutral-900 paragraph-1"><div class="col "><h2 class="headline-2-regular color-deepocean text-center">Compare home loans</h2></div></div> </div> </div> <div data-component="Product Cards (asset listing)" data-cid="product-card-list" data-aid="429318" class="product-card module-429318 product-card_count--3 page_content-row bg-neutral-100 spacing-top--none spacing-bottom--none" > <div class="module-429318_inner page_content-row_inner product-card_inner "> <div class="product-card_list module-429318_list" > <div data-component="Product Card (personal-loan-mini)" data-global-content="product card" data-aid="429311" class="product-card_listing product-card-personal-loan-mini_listing product-card-loan_listing--basic_variable_home_loan product-card_listing--style-normal " > <div class="product-card_listing-inner product-card-personal-loan-mini_listing-inner "> <div data-paint-layout="Product Card - Loan Mini" class="product-card-loan-mini product-card_listing-main product-card-personal-loan-mini_listing-main"> <div class="product-card_colour product-card-personal-loan-mini_colour bg-heritageteal"></div> <div class="product-card_title product-card-loan_title"> Basic Variable Home Loan </div>  <div class="product-card_rates product-card-loan_rates"> <div class="product-card_rates-main"> <div class="product-card_rate product-card_rate--1"> <div class="product-card_rate-label"> Discounted rates from <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 6.14 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> <div class="product-card_rate product-card_rate--2"> <div class="product-card_rate-label"> Comparison rate<sup>^</sup> <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 6.20 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> </div> </div> <div class="product-card_subtitle product-card-loan_subtitle"> All the features you need and nothing you don't. </div> <div class="product-card_caveat product-card-loan_caveat"> Owner occupier, principal & interest, LVR 70% or less. Includes discount on new and additional lending. Min. loan amount applies.<sup>2,3,4</sup> </div> </div> </div> </div> <div data-component="Product Card (personal-loan-mini)" data-global-content="product card" data-aid="429314" class="product-card_listing product-card-personal-loan-mini_listing product-card-loan_listing--offset_variable_home_loan product-card_listing--style-normal " > <div class="product-card_listing-inner product-card-personal-loan-mini_listing-inner "> <div data-paint-layout="Product Card - Loan Mini" class="product-card-loan-mini product-card_listing-main product-card-personal-loan-mini_listing-main"> <div class="product-card_colour product-card-personal-loan-mini_colour bg-heritageteal"></div> <div class="product-card_title product-card-loan_title"> Offset Variable Home Loan </div>  <div class="product-card_rates product-card-loan_rates"> <div class="product-card_rates-main"> <div class="product-card_rate product-card_rate--1"> <div class="product-card_rate-label"> Discounted rates from <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 6.19 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> <div class="product-card_rate product-card_rate--2"> <div class="product-card_rate-label"> Comparison rate<sup>^</sup> <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 6.25 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> </div> </div> <div class="product-card_subtitle product-card-loan_subtitle"> 100% offset home loan that makes saving on interest easy.<sup>8</sup> </div> <div class="product-card_caveat product-card-loan_caveat"> Owner occupier, principal & interest, LVR 70% or less. Includes discount on new and additional lending. Min. loan amount applies.<sup>2,3,4</sup> </div> </div> </div> </div> <div data-component="Product Card (personal-loan-mini)" data-global-content="product card" data-aid="429315" class="product-card_listing product-card-personal-loan-mini_listing product-card-loan_listing--fixed_rate_home_loan product-card_listing--style-normal " > <div class="product-card_listing-inner product-card-personal-loan-mini_listing-inner "> <div data-paint-layout="Product Card - Loan Mini" class="product-card-loan-mini product-card_listing-main product-card-personal-loan-mini_listing-main"> <div class="product-card_colour product-card-personal-loan-mini_colour bg-heritageteal"></div> <div class="product-card_title product-card-loan_title"> Fixed Rate Home Loan </div>  <div class="product-card_rates product-card-loan_rates"> <div class="product-card_rates-main"> <div class="product-card_rate product-card_rate--1"> <div class="product-card_rate-label"> 2 year fixed rate <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 6.14 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> <div class="product-card_rate product-card_rate--2"> <div class="product-card_rate-label"> Comparison rate<sup>^</sup> <sup></sup> </div> <div class="product-card_rate-inner"> <div class="product-card_rate-num-per"> <div class="product-card_rate-number"> 7.68 </div> <div class="product-card_rate-percent"> <div>%</div> <div>p.a.</div> </div> </div> </div> </div> </div> </div> <div class="product-card_subtitle product-card-loan_subtitle"> A competitive fixed rate plus the flexibility to pay up to $30,000 in extra repayments during the fixed term.<sup>9</sup> </div> <div class="product-card_caveat product-card-loan_caveat"> 2 year fixed rate, owner occupier, principal & interest.<sup>5,6</sup> </div> </div> </div> </div> </div> </div> </div> <div data-component="Basic Module" data-cid="basic" data-aid="429320" class="basic-module module-429320 bg-neutral-100 page_content-row spacing-top--md spacing-bottom--md "> <div class="basic-module_inner module-429320_inner page_content-row_inner"> <div class="basic-module_buttons basic-module_buttons--centre"><a class="basic-module_button basic-module_button--secondary-arrow" href="https://www.greatsouthernbank.com.au/home-loans"> Compare home loans </a><a class="basic-module_button basic-module_button--primary-arrow" href="https://www.greatsouthernbank.com.au/home-loans/home-loan-application" data-trigger-vars="hl-apply"> Refinance now</a></div> </div> </div> <div id='refinance-process' data-component="Content/Columns (utility)" data-cid="columns-utility" data-aid="471122" class="col-module module-471122 page_content-row mt-3 mt-6-md "> <div class="col-module__inner module-471122__inner page_content-row_inner"> <div class="row row-gap color-neutral-900 paragraph-1"><div class="col "><h2 class="headline-2-regular color-deepocean text-center">How to refinance your home loan with Great Southern Bank</h2></div></div> </div> </div> <div data-component="Image Content Alpha" data-cid="image-content-alpha" data-aid="429234" class="image-content-alpha module-429234 page_content-row spacing-top--md spacing-bottom--md "> <div class="image-content-alpha_inner module-429234_inner page_content-row_inner "> <div class="image-content-alpha_list module-429234_list image-content-alpha_list--mirror"> <div id="section-429238" class="image-content-alpha_block module-429234_block "> <div class="image-content-alpha_image lazyload module-429234_image image-content_image image-content_image--cover image-content-alpha_image--height-default " data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0022/430852/varieties/img-sm.jpg 576w [(max-width: 576px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0022/430852/varieties/img-md.jpg" data-sizes="auto" > </div> <div class="image-content-alpha_content image-content-alpha_content--top module-429234_content"> <div class="image-content-alpha_text module-429234_text"> <div class="image-content-alpha_icon module-429234_icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-tick" xlink:type="simple"></use> </svg> </div> <h2 class="image-content-alpha_title module-429234_title"> Refinance eligibility checklist </h2> <div class="image-content-alpha_text-content module-429234_text-content image-content-alpha_text-content--normal module-429234_text-content--normal"> <h4 style="image-content-alpha_list-heading">You must be</h4><ul><li>At least 18 years old.</li><li>An Australian citizen or permanent resident of Australia.</li></ul><h4 class="image-content-alpha_list-heading">You'll need</h4><ul><li>Proof of identity, like a driver’s license or passport.</li><li>Details of your income, expenses, and debts.</li><li>If you’re applying with another person, both applicants need to be present.</li></ul><div class="image-content-alpha_icon-item image-content-alpha_icon-item--info"><a href="#" data-trigger-modal="#lvr-requirements" class="image-content-alpha_a--pop">Check the loan-to-value (LVR) requirements</a></div> </div> </div> </div> </div> </div> </div> </div><div class="apply-module module-429285 pt-2 pt-4-md pt-6-lg spacing-bottom--none d-flex justify-stretch page_content-row apply-module--count-3" data-component="Apply Module" data-cid="apply" data-aid="429285"> <div class="apply-module_inner module-429285_inner d-flex flex-1 justify-stretch page_content-row_inner"> <div class="apply-module_content module-429285_content d-flex flex-1 direction-column justify-between pv-3 box-rad-8 border-neutral-300"> <h2 class="color-deepocean headline-3-regular headline-2-regular-md mt-0 mb-5 pv-1-md ph-4-md ph-7-lg text-center apply-module_list-title module-429285_list-title pv-0 ph-3 ph-5-md ph-6-lg">Refinancing in three easy steps</h2> <div class="apply-module_list module-429285_list d-flex-md justify-center-md apply-module--count-3"><div class="apply-module_item module-429285_item mv-2 m-auto mv-2-md mr-3-md ml-0-md d-flex mt-0 m-auto"> <div class="apply-module_item-inner module-429285_item-inner text-center flex-1 mt-0 m-auto pos-rel d-flex direction-column"> <div class="apply-module_item-content module-429285_item-content d-flex direction-column align-center flex-1"> <div class="apply-module_icon module-429285_icon svg-heritageteal mb-1 mb-3-md"> <svg class="svg- icon-size-5"><use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-documentation--checklist" xlink:type="simple"></use></svg> </div> <div class="apply-module_text-wrap module-429285_text-wrap flex-1"> <div class="apply-module_title module-429285_title color-deepocean headline-5 mb-1 mb-2-md">1. Apply online</div> <div class="apply-module_copy module-429285_copy color-neutral-900 paragraph-3"><p>You’ll need proof of ID and details of your current home loan, income, expenses, and any other loans you may have.</p></div> </div> </div> </div> </div><div class="apply-module_item module-429285_item mv-2 m-auto mv-2-md mr-3-md ml-0-md d-flex mt-0 m-auto"> <div class="apply-module_item-inner module-429285_item-inner text-center flex-1 mt-0 m-auto pos-rel d-flex direction-column"> <div class="apply-module_item-content module-429285_item-content d-flex direction-column align-center flex-1"> <div class="apply-module_icon module-429285_icon svg-heritageteal mb-1 mb-3-md"> <svg class="svg- icon-size-5"><use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--chat-bubbles" xlink:type="simple"></use></svg> </div> <div class="apply-module_text-wrap module-429285_text-wrap flex-1"> <div class="apply-module_title module-429285_title color-deepocean headline-5 mb-1 mb-2-md">2. Chat to a Home Loan Specialist</div> <div class="apply-module_copy module-429285_copy color-neutral-900 paragraph-3"><p>A Home Loan Specialist will assess your application and contact you within one business day about the next steps.</p></div> </div> </div> </div> </div><div class="apply-module_item module-429285_item mv-2 m-auto mv-2-md mr-3-md ml-0-md d-flex mt-0 m-auto"> <div class="apply-module_item-inner module-429285_item-inner text-center flex-1 mt-0 m-auto pos-rel d-flex direction-column"> <div class="apply-module_item-content module-429285_item-content d-flex direction-column align-center flex-1"> <div class="apply-module_icon module-429285_icon svg-heritageteal mb-1 mb-3-md"> <svg class="svg- icon-size-5"><use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--approved" xlink:type="simple"></use></svg> </div> <div class="apply-module_text-wrap module-429285_text-wrap flex-1"> <div class="apply-module_title module-429285_title color-deepocean headline-5 mb-1 mb-2-md">3. Refinance approvals</div> <div class="apply-module_copy module-429285_copy color-neutral-900 paragraph-3"><p>If your application is approved and goes on to be funded, then you’ll start repaying your Great Southern Bank Home Loan at your new interest rate. You can also view your home loan and repayment details through online and mobile banking.</p></div> </div> </div> </div> </div></div> <div class="apply-module_outer"> <div class="apply-module_link module-429285_link "> <a href="https://www.greatsouthernbank.com.au/home-loans/home-loan-application" class="tile-list-apply_link" data-trigger-vars="hl-apply"> <div class="apply-module_link-inner module-429285_link-inner"> Get started </div> </a> </div> </div> </div> </div> </div><div data-component="Speak to Us" data-cid="speak-to-us" data-aid="429289" class="speak-to-us module-429289 page_content-row spacing-top--none spacing-bottom--md "> <div class="speak-to-us_inner module-429289_inner page_content-row_inner "> <div class="speak-to-us_content module-429289_content text-center d-flex gap-2 direction-column direction-row-sm align-center justify-center pv-3 ph-1 pv-4-md ph-0-md "> <div class="speak-to-us_images module-429289_images m-auto m-0-sm pos-rel pl-2"> <div class="speak-to-us_image speak-to-us_image--sm module-429289_image box-shad-sm pos-abs bgimg bgimg-cover module-429289_image--sm lazyload" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0033/417678/woman-specialist.jpg"> </div> <div class="speak-to-us_image speak-to-us_image--lg module-429289_image bgimg bgimg-cover asset_metadata_namespace%_image--lg lazyload" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0032/417677/man-specialist.jpg"> </div> </div> <div class="d-flex gap-2 direction-column direction-row-sm"> <div class="speak-to-us_description module-429289_description paragraph-1 color-neutral-900 align-self-center">Prefer to talk to someone?</div> <div class="speak-to-us_link align-self-center"> <a href="tel:133282" class="speak-to-us_link-a link-1 headline-6"> Call us on 133 282 </a> </div> </div> </div> </div> </div> <div class="article-hub module-511411 mb-3 mb-6-md page_content-row" data-component="Article Hub" data-cid="article-hub" data-aid="511411"> <div class="page_content-row_inner"> <h2 class="color-deepocean headline-2-regular mb-2">Get savvy with refinancing</h2> <p class="p-0 mb-3 mb-4-lg color-neutral-900 paragraph-2">We’ve got lots of tips to help you refinance your home loan with confidence.</p> <div class="article-hub__article-wrap row row-gap"><div class="article-hub-article d-flex col col-4-lg"> <div class="article-hub-article__inner box-rad-8-lg box-rad-tr-56-lg d-flex-md-down pos-rel"> <div class="article-hub-article__image-wrapper box-rad-4 box-rad-0-lg"> <div class="article-hub-article__image-inner lazyload bgimg-cover bgimg-center" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0012/510150/varieties/img-xs.webp 80w, https://www.greatsouthernbank.com.au/__data/assets/image/0012/510150/varieties/img-sm.webp 350w"> </div> </div> <div class="article-hub-article_content p-4-lg pb-8-lg ml-2 ml-0-lg flex-1"> <h5 class="mt-0 mb-1 headline-5-lg headline-6 color-deepocean">How do you know you’re eligible to refinance your home loan? </h5> <p class="mt-0 mb-2 paragraph-3 paragraph-2-lg color-neutral-700 d-none-xs-down">Sure, you can refinance your home loan whenever you want, but are you actually eligible to do it? Learn if you’re eligible to refinance in our handy article.</p> <a class="article-hub-article__link pos-abs" href="https://www.greatsouthernbank.com.au/home-loans/refinance/are-you-eligible-to-refinance-your-home-loan" aria-label="How do you know you’re eligible to refinance your home loan?"> <span class="article-hub-article__link-inner pos-abs headline-6 link-1 d-none-md-down">Read more</span> </a> </div> </div> </div><div class="article-hub-article d-flex col col-4-lg"> <div class="article-hub-article__inner box-rad-8-lg box-rad-tr-56-lg d-flex-md-down pos-rel"> <div class="article-hub-article__image-wrapper box-rad-4 box-rad-0-lg"> <div class="article-hub-article__image-inner lazyload bgimg-cover bgimg-center" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0018/510129/varieties/img-xs.jpg 80w, https://www.greatsouthernbank.com.au/__data/assets/image/0018/510129/varieties/img-sm.jpg 350w"> </div> </div> <div class="article-hub-article_content p-4-lg pb-8-lg ml-2 ml-0-lg flex-1"> <h5 class="mt-0 mb-1 headline-5-lg headline-6 color-deepocean">Which refinancing option is right for you? </h5> <p class="mt-0 mb-2 paragraph-3 paragraph-2-lg color-neutral-700 d-none-xs-down">With so many different refinancing options out there, it might be tricky to pick the right one. But fear not – we explain the different options in our article.</p> <a class="article-hub-article__link pos-abs" href="https://www.greatsouthernbank.com.au/home-loans/refinance/which-refinancing-option-is-right-for-you" aria-label="Which refinancing option is right for you?"> <span class="article-hub-article__link-inner pos-abs headline-6 link-1 d-none-md-down">Read more</span> </a> </div> </div> </div><div class="article-hub__link-articles-wrap col col-4-lg"> <h4 class="headline-4-regular color-neutral-900 mt-0 mb-3">Further reading</h4> <div><a href="https://www.greatsouthernbank.com.au/home-loans/refinance/cost-of-refinancing-your-home-loan" class="paragraph-2 link-2x d-block mb-2" aria-label="Cost of refinancing your home loan" title="Cost of refinancing your home loan">Cost of refinancing your home loan</a><a href="https://www.greatsouthernbank.com.au/home-loans/refinance/reasons-to-refinance-your-home-loan" class="paragraph-2 link-2x d-block mb-2" aria-label="Why you might refinance your home loan" title="Why you might refinance your home loan">Why you might refinance your home loan</a><a href="https://www.greatsouthernbank.com.au/home-loans/refinance/dos-and-donts-of-refinancing" class="paragraph-2 link-2x d-block mb-2" aria-label="The dos and don'ts of refinancing a home loan" title="The dos and don'ts of refinancing a home loan">The dos and don'ts of refinancing a home loan</a></div></div></div> </div> </div> <div id="faqs" data-component="Columns (six-six)" data-cid="columns-asset-listing" data-aid="429182" class="columns module-429182 columns--six-six page_content-row spacing-top--md spacing-bottom--lg "> <div class="columns_inner module-429182_inner page_content-row_inner "> <div class="columns_list module-429182_list"><div class="columns_single-column module-429182_single-column columns_single-column-429292"> <div data-component="Basic Module" data-cid="basic" data-aid="429294" class="basic-module module-429294 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-429294_inner"> <div class="basic-module_badge basic-module_badge--primary-500">FAQS</div><h2 class="basic-module_h2">Refinancing explained</h2><p class="basic-module_p">Got a question about refinancing your home loan? Find the answers you’re looking for here.</p> </div> </div> </div><div class="columns_single-column module-429182_single-column columns_single-column-429296"> <div data-component="faq Accordion" data-cid="faq-accordion" data-aid="429298" class="accordion-module module-429298 spacing-top--none spacing-bottom--none " data-accordion-title="Refinancing"> <div class="accordion-module_inner module-429298_inner "> <div class="accordion-module_accordion"><div data-global-content="FAQ" data-aid="429305" id="accordion-pane-429305" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> What is refinancing a home loan? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p><a href="https://www.greatsouthernbank.com.au/about/guide/your-guide-to-refinancing-your-home-loan" class="link-2">Refinancing </a>is when you take out a new home loan – usually to get a better deal or interest rate. This can be with your existing lender or a new one.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="429304" id="accordion-pane-429304" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> Why should I refinance my home loan? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>There are many <a href="https://www.greatsouthernbank.com.au/about/guide/the-benefits-of-refinancing-your-home-loan" class="basic-module_a">reasons to refinance your home loan</a>. For some homeowners, it might be to get a better interest rate and lower monthly repayments, or to access different features such as redraw and unlimited extra repayments.</p><p>Other people might refinance to access the equity in their property for a home renovation, to buy a new car or consolidate their debt. And some might simply want to switch to a lender that truly cares about them and provides the level of service they need. Each to their own.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="429303" id="accordion-pane-429303" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> What are the costs involved in refinancing? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>When refinancing, it is important to <a href="https://www.greatsouthernbank.com.au/home-loans/refinance/cost-of-refinancing-your-home-loan" class="link-2">consider the costs involved</a>. Discharge fees, early payout fees and <a href="https://www.greatsouthernbank.com.au/about/guide/what-is-lenders-mortgage-insurance-and-who-needs-to-pay-for-it" class="link-2">Lenders Mortgage Insurance</a> (if your loan is more than 80 per cent of the property value) are usually the main ones to be aware of.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="429302" id="accordion-pane-429302" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> How do I refinance my home loan? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>To start with, look at your current home loan to understand its current features, how much you're paying in rates and fees, and the costs associated with refinancing.</p><p>This allows you to see how it compares to the competition. While your interest rate will always be an important factor, there are other things to consider comparing to a new loan – such as being able to make fee-free extra repayments and redraw at any time. These features can make it easier for you to save on interest and pay off the loan sooner.</p><p>When comparing interest rates, remember to look at the comparison rate, as this includes any upfront or ongoing fees and charges to give you a more accurate reflection of the true cost of the loan in question. Once you're ready to apply, head over to our <a href="https://services.greatsouthernbank.com.au/gsb/website/webforms/enquiry/home-loan.html?_ga=2.2280944.1385824359.1629068980-223535507.1620877893" class="basic-module_a" data-module-name="button" data-link-name="refinance:subnav:Enquire now">online application form</a>, give us a call us on <a href="tel:133%20282" class="basic-module_a">133 282</a>, or <a href="https://www.greatsouthernbank.com.au/branch-locator" class="basic-module_a">visiting your local branch</a>.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="429301" id="accordion-pane-429301" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> Will my property need to have a valuation? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <div><p paraid="384930278" paraeid="{8c043a8d-a9f8-49a1-a5d3-2758f4cfd5d5}{125}">Most lenders will require your home to have a valuation completed when you refinance. This doesn’t necessarily mean a valuer needs to come to your house. Some valuations are done electronically by looking at similar properties in your area.</p></div><div><p paraid="1843592127" paraeid="{8c043a8d-a9f8-49a1-a5d3-2758f4cfd5d5}{143}">The type of valuation your lender will require depends on how much you want to borrow, where your home is located and the type of home you own. Most lenders will pay for your first valuation as part of your application.</p></div> </div> </div> </div><div data-global-content="FAQ" data-aid="430743" id="accordion-pane-430743" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> How much equity is required to refinance? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>While most customers refinance their home loan with at least 20 per cent equity, it’s possible to do so with as little as five per cent. However, if your equity is less than 20 per cent, <a href="https://www.greatsouthernbank.com.au/about/guide/what-is-lenders-mortgage-insurance-and-who-needs-to-pay-for-it" class="link-2">Lenders Mortgage Insurance (LMI)</a> will need to be factored into the loan.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="471151" id="accordion-pane-471151" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> Do I need a deposit to refinance? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>No, you don’t need a deposit to refinance. Your application will be assessed on your current home loan, the amount of equity you have and financial details. If you have any questions or concerns, our <a href="#" data-trigger-hl-chat="true" class="basic-module_a">Home Loan Specialists</a> are always happy to have a chat.</p> </div> </div> </div><div data-global-content="FAQ" data-aid="510624" id="accordion-pane-510624" class="accordion-module_pane"> <button class="accordion-module_pane-title generic-accordion align-center" data-generic-accordion="title" data-module="gaModule" data-position="Accordion" data-label="The actual title on the accordion"> Can I refinance my investment property loan? </button> <div class="accordion-module_pane-content generic-accordion--finished" data-generic-accordion="content"> <div class="accordion-module_pane-content-inner"> <p>Yes. If you’re not happy with your current investment home loan, refinancing could help lower your repayments with a better rate, reduced fees <a href="https://www.greatsouthernbank.com.au/home-loans/refinance/cost-of-refinancing-your-home-loan" class="link-2">and access better features such as free redraw</a>.</p><p>Remember, there are likely to be costs associated with refinancing that you’ll need to consider, but it might be a good move for you.</p> </div> </div> </div> </div> </div> </div> <script type="application/ld+json"> {"@context": "https://schema.org/","@type": "FAQPage","mainEntity":[ {"@type": "Question","name": "What is refinancing a home loan?","acceptedAnswer":{"@type": "Answer","text": "<p><a href='https://www.greatsouthernbank.com.au/about/guide/your-guide-to-refinancing-your-home-loan' class='link-2'>Refinancing </a>is when you take out a new home loan – usually to get a better deal or interest rate. This can be with your existing lender or a new one.</p>"}},{"@type": "Question","name": "Why should I refinance my home loan?","acceptedAnswer":{"@type": "Answer","text": "<p>There are many <a href='https://www.greatsouthernbank.com.au/about/guide/the-benefits-of-refinancing-your-home-loan' class='basic-module_a'>reasons to refinance your home loan</a>. For some homeowners, it might be to get a better interest rate and lower monthly repayments, or to access different features such as redraw and unlimited extra repayments.</p><p>Other people might refinance to access the equity in their property for a home renovation, to buy a new car or consolidate their debt. And some might simply want to switch to a lender that truly cares about them and provides the level of service they need. 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data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0021/430851/varieties/img-sm.jpg 576w [(max-width: 576px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0021/430851/varieties/img-md.jpg 767w [(max-width: 767px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0021/430851/varieties/img-lg.jpg" data-sizes="auto"> </div> </div> <div class="col-fill flex-1 order-2"> <div class="echo__content pv-2 pv-3-md bg-purewhite "> <div class="badge badge-md badge-opacity-feature mb-3 mb-4-md">CLEVER TOOLS</div> <h2 class="headline-2-regular color-night mb-4 mt-0">Boost your repayment power</h2> <div data-component="Tile List Generic (unboxed)" data-cid="tile-list-unboxed" data-aid="429246" class="tile-list tile-list-unboxed module-429246 tile-list--one tile-list-unboxed--one module-429246--one spacing-top--none spacing-bottom--none"> <div class="tile-list_inner tile-list-unboxed_inner module-429246_inner "> <div class="tile-list_list tile-list-unboxed_list module-429246_list"> <div class="tile-list_item tile-list-unboxed_item module-429246_item tile-list-unboxed_item--feature "> <div class="tile-list-unboxed_item-inner module-429246_item-inner"> <div class="tile-list-unboxed_item-content module-429246_item-content"> <div class="tile-list-unboxed_icon module-429246_icon "> <svg class="svg-default"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-features--boost" xlink:type="simple"></use> </svg> </div> <div class="tile-list-unboxed_text-wrap module-429246_text-wrap"> <div class="tile-list-unboxed_title module-429246_title">How does The Boost work?</div> <div class="tile-list-unboxed_copy module-429246_copy"><p>Simply pre-set an amount between $0.01 and $5 to go towards your home loan every time you use your Great Southern Bank Visa Debit card.<sup>1</sup></p></div> </div> </div> </div> </div> <div class="tile-list_item tile-list-unboxed_item module-429246_item tile-list-unboxed_item--feature "> <div class="tile-list-unboxed_item-inner module-429246_item-inner"> <div class="tile-list-unboxed_item-content module-429246_item-content"> <div class="tile-list-unboxed_icon module-429246_icon "> <svg class="svg-default"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-products--savings" xlink:type="simple"></use> </svg> </div> <div class="tile-list-unboxed_text-wrap module-429246_text-wrap"> <div class="tile-list-unboxed_title module-429246_title">You could save up to $2000 extra a year</div> <div class="tile-list-unboxed_copy module-429246_copy"><p>If you set The Boost to $2 and make three transactions a day, you could reduce your home loan by up to $2,000 a year!</p></div> </div> </div> </div> </div> <div class="tile-list_item tile-list-unboxed_item module-429246_item tile-list-unboxed_item--feature "> <div class="tile-list-unboxed_item-inner module-429246_item-inner"> <div class="tile-list-unboxed_item-content module-429246_item-content"> <div class="tile-list-unboxed_icon module-429246_icon "> <svg class="svg-default"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--smiley" xlink:type="simple"></use> </svg> </div> <div class="tile-list-unboxed_text-wrap module-429246_text-wrap"> <div class="tile-list-unboxed_title module-429246_title">Pay off your home loan sooner</div> <div class="tile-list-unboxed_copy module-429246_copy"><p>By making extra repayments of $2,000 per year or more with The Boost, you can easily shave years off your repayment term.</p></div> </div> </div> </div> </div> </div> </div> </div><div class="pt-3 pt-4-md pl-6"><a class="link-1 headline-5" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans">Find out more</a></div> </div> </div> </div> </div> </div><div id='calculators' data-component="Content/Columns (utility)" data-cid="columns-utility" data-aid="471112" class="col-module module-471112 page_content-row pv-3 pv-5-md bg-neutral-100"> <div class="col-module__inner module-471112__inner page_content-row_inner"> <div class="row row-gap color-neutral-900 paragraph-1"><div class="col col-6-md"><div data-component="Basic Module" data-cid="basic" data-aid="471009" class="basic-module module-471009 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-471009_inner"> <h2 class="basic-module_h2">Handy tools</h2><p class="basic-module_p">Take the guesswork out of choosing a home loan or refinancing.</p> </div> </div> </div><div class="col col-6-md"><div data-component="Tile List Boxed or Simple (boxed)" data-cid="tile-list-boxed" data-aid="471117" class="tile-list-generic tile-list-boxed tile-list-generic--boxed tile-list-boxed--one tile-list-boxed spacing-top--none spacing-bottom--none"> <div class="tile-list-boxed_inner tile-list-boxed_inner "> <div class="tile-list-boxed_list tile-list-boxed_list"> <div class="tile-list-generic_item tile-list-boxed_item "> <div class="tile-list-generic_item-inner tile-list-boxed_item-inner"> <div class="tile-list-generic_item-content tile-list-boxed_item-content"> <div class="tile-list-generic_icon tile-list-boxed_icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--handMoneybag" xlink:type="simple"></use> </svg> </div> <div class="tile-list-generic_text-wrap tile-list-boxed_text-wrap"> <div class="tile-list-generic_title tile-list-boxed_title">Borrowing power calculator</div> <div class="tile-list-generic_copy tile-list-boxed_copy"><p>Estimate how much you can borrow with your new loan</p></div> </div> <div class="tile-list-generic_link tile-list-boxed_link "> <a class="tile-list-generic_link-a tile-list-boxed_link-a" href="https://research.application.greatsouthernbank.com.au/lara/borrowing-power/about" ></a> </div> </div> </div> </div><div class="tile-list-generic_item tile-list-boxed_item "> <div class="tile-list-generic_item-inner tile-list-boxed_item-inner"> <div class="tile-list-generic_item-content tile-list-boxed_item-content"> <div class="tile-list-generic_icon tile-list-boxed_icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-products--home-loan" xlink:type="simple"></use> </svg> </div> <div class="tile-list-generic_text-wrap tile-list-boxed_text-wrap"> <div class="tile-list-generic_title tile-list-boxed_title">Compare home loans</div> <div class="tile-list-generic_copy tile-list-boxed_copy"><p>Compare our home loans along with any relevant fees and charges</p></div> </div> <div class="tile-list-generic_link tile-list-boxed_link"> <a class="tile-list-generic_link-a tile-list-boxed_link-a"href="https://www.greatsouthernbank.com.au/home-loans/compare" ></a> </div> </div> </div> </div> </div> </div> </div></div></div> </div> </div> <div data-component="Columns (award-testimonial)" data-cid="columns-asset-listing" data-aid="429398" class="columns module-429398 columns--award-testimonial page_content-row spacing-top--lg spacing-bottom--md "> <div class="columns_inner module-429398_inner page_content-row_inner "> <div class="columns_list module-429398_list"><div class="columns_single-column module-429398_single-column columns_single-column-429385"> <div data-component="Content/Columns (utility)" data-cid="columns-utility" data-aid="429387" class="col-module module-429387 page_content-row "> <div class="col-module__inner module-429387__inner page_content-row_inner"> <div class="row row-gap color-neutral-900 paragraph-1"><div class="col "><div class="badge badge-md badge-opacity-neutral">ABOUT US</div><h3 class="headline-3 color-deepocean d-none-md">Trusted by Australians for over 75 years</h3><h2 class="headline-2 color-deepocean d-none d-block-md">Trusted by Australians for over 75 years</h2><p>We've been <a href="https://www.greatsouthernbank.com.au/about" class="basic-module_a">helping our customers manage their finances since 1946</a>. Today, more than half a million people trust us with their banking and insurance needs.</p><p>But don't just take our word for it. Here's what some of them have got to say.</p></div></div> </div> </div> </div><div class="columns_single-column module-429398_single-column columns_single-column-429390"> <div data-component="Award Testimonial" data-cid="award-testimonial" data-aid="429392" data-global-content="award testimonial" class="award-testimonial module-429392 d-flex-lg flex-1-lg"> <div class="award-testimonial__inner module-429392__inner d-flex-lg flex-1-lg"> <div class="award-testimonial__main pos-rel pt-7 ph-2 p-0-sm d-flex direction-column direction-row-sm justify-end justify-center-sm align-center-sm justify-start-lg flex-1-lg"> <div class="award-testimonial__background-image lazyload bgimg bgimg-cover bgimg-center box-rad-8 z-0" data-sizes="auto" data-bgset="https://www.greatsouthernbank.com.au/__data/assets/image/0022/401908/varieties/img-lg.jpg 940w [(max-width: 992px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0022/401908/varieties/img-md.jpg 718w"> </div> <div class="award-testimonial__main-inner d-flex-sm align-stretch z-1 ph-2-sm ph-4-lg"> <div class="award-testimonial__testimonials bg-purewhite box-rad-8 swiper-container m-auto m-0-sm box-shad-md" id="swiper_award-testimonial-429392" data-swiper-type="award-testimonial"> <div class="award-testimonial__testimonials-list swiper-wrapper"><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="429389"> <div class="paragraph-2 color-neutral-900">“Great Southern Bank acted quickly in refinancing our loan. We received a great rate and the service was excellent.”</div> <div class="paragraph-3-bold color-deepocean pt-3">Wayne, QLD - home loan refinance customer</div> </div><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="429394"> <div class="paragraph-2 color-neutral-900">“Unsurpassed customer service and superlative operations. Switching my home loan to Great Southern Bank is the best thing I have ever done.”</div> <div class="paragraph-3-bold color-deepocean pt-3">Shane, QLD - home loan refinance customer</div> </div><div class="award-testimonial__block swiper-slide p-2 p-3-sm pb-7 pb-9-sm" data-global-content="testimonial" data-aid="429396"> <div class="paragraph-2 color-neutral-900">“The consultant was very friendly and helpful. Made changing very easy and offered to look at a lower rate without me even asking.”</div> <div class="paragraph-3-bold color-deepocean pt-3">Craig, WA - home loan refinance customer</div> </div></div> <div id="swiper-pagination_award-testimonial-429392" class="award-testimonial__swiper-pagination swiper-pagination swiper-pagination-clickable d-flex p-2 p-3-sm"></div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div data-component="CTA Panel - large" data-cid="cta-panel" data-aid="429424" class="cta-large module-429424 page_content-row spacing-top--md spacing-bottom--md"><div class="cta-large_inner module-429424_inner page_content-row_inner"><div class="cta-large module-429424_background cta-large_background--gradient color-purewhite box-rad-8 gradient-deepocean p-4 d-flex direction-column align-center pos-rel text-center overflow-hidden p-6-md box-shad-sm"> <div class="cta-large_deco module-429424_deco cta-large_deco--gradient keyline-purewhite pos-abs bgimg-cover"></div> <div class="cta-large_container module-429424_container z-2"><h2 class="cta-large_title module-429424_title headline-2 m-0">Ready for a better deal on your home loan?</h2><div class="cta-large_text module-429424_text paragraph-1 mt-2">Get started with your refinance application now.</div><a class="btn btn-lg btn-1-s btn-width-auto-xs mt-3" href="https://www.greatsouthernbank.com.au/home-loans/home-loan-application?interestRateType=FIXED&offset=FALSE" data-trigger-vars="#hl-apply">Get started<div class="icon-css icon-arrow-deepocean icon-size-2 ml-2" title="icon-css icon-arrow-deepocean icon-size-2"></div></a></div></div></div></div><div data-component="Tile List Generic (info-block)" data-cid="tile-list-info-block" data-aid="447229" class="tile-list tile-list-info-block module-447229 tile-list--three tile-list-info-block--three module-447229--three page_content-row spacing-top--md spacing-bottom--md"> <div class="tile-list_inner tile-list-info-block_inner module-447229_inner page_content-row_inner "> <div class="tile-list_list-tile tile-list-info-block_list-title module-447229_list-title">Connect to a Home Loan Specialist</div> <div class="tile-list_list-tile tile-list-info-block_list-subtitle module-447229_list-title">We are here to help.</div> <div class="tile-list_list tile-list-info-block_list module-447229_list">  <div class="tile-list_item tile-info-box_item module-447229_item tile-info-box--grey spacing-top--none spacing-bottom--none "> <div class="tile-info-box_inner module-447229_inner "> <div class="tile-info-box_content module-447229_content"> <div class="tile-info-box_title-wrap module-447229_title-wrap"> <div class="tile-info-box_icon module-447229_icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--chat-bubbles" xlink:type="simple"></use> </svg> </div> <a class="tile-info-box_link module-447229_link" href="#" data-trigger-hl-chat="true" > Chat online </a> </div> <div class="tile-info-box_copy module-447229_copy"><p>Speak to one of our Home Loan Specialists via live online chat.</p></div> </div> </div> </div>  <div class="tile-list_item tile-info-box_item module-447229_item tile-info-box--grey spacing-top--none spacing-bottom--none "> <div class="tile-info-box_inner module-447229_inner "> <div class="tile-info-box_content module-447229_content"> <div class="tile-info-box_title-wrap module-447229_title-wrap"> <div class="tile-info-box_icon module-447229_icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-devices--desktop" xlink:type="simple"></use> </svg> </div> <a class="tile-info-box_link module-447229_link" href="#" data-trigger-modal="#hl-enquiry-modal" > Enquire online </a> </div> <div class="tile-info-box_copy module-447229_copy"><p>Fill out our online enquiry form and one of our Home Loan Specialists will get back to you to start the process.</p></div> </div> </div> </div>  <div class="tile-list_item tile-info-box_item module-447229_item tile-info-box--grey spacing-top--none spacing-bottom--none "> <div class="tile-info-box_inner module-447229_inner "> <div class="tile-info-box_content module-447229_content"> <div class="tile-info-box_title-wrap module-447229_title-wrap"> <div class="tile-info-box_icon module-447229_icon"> <svg> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--contact" xlink:type="simple"></use> </svg> </div> <a class="tile-info-box_link module-447229_link" href="tel:133282" > Call us 133 282 </a> </div> <div class="tile-info-box_copy module-447229_copy"><p>Mon - Fri: 9:30am - 4:00pm (AEDT)<br /></p></div> </div> </div> </div> </div> </div> </div><div data-component="Disclaimers" data-cid="disclaimers" data-aid="429192" class="disclaimers-module module-429192 page_content-row disclaimers-module--open spacing-top--lg spacing-bottom--none "> <div class="disclaimers-module_inner module-429192_inner page_content-row_inner"> <div class="disclaimers-module_header"> <div class="disclaimers-module_title">Important Information</div> </div> <div class="disclaimers-module_disclaimers"> <div class="disclaimers-module_disclaimers-content"> <div class="disclaimers-module_disclaimer disclaimer-is-text module-429192_disclaimer disclaimer_custom"><p>Rates are current as at 13 November 2024 and subject to change.</p><p>Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions, and fees apply. Applications are subject to credit approval.</p><p>1 The Boost is not available on business accounts.</p><p>2 Discounts off the Basic Variable and Offset Variable Reference Rate are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of the home loan you already have with us when it includes new borrowing of at least $10,000; for new home loan applications unconditionally approved on or after 13 November 2024. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary based on the loan purpose (owner occupier and investor), repayment type (principal and interest, interest only, construction) and Loan to Value Ratio (LVR). Maximum LVR applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.</p><p>3 Great Southern Bank may withdraw or amend this offer at any time without notice. A change in your loan purpose, your repayment type or your loan product will permanently end your entitlement to the discount.</p><p>4 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%. We calculate your LVR at the time we approve your loan and your discount won’t change because of changes to the LVR during the life of your loan.</p><p>5 Fixed Rate loans are available to (a) new home loans with a minimum application amount of $100,000; or (b) switching or restructuring of existing home loans. Maximum Loan to Value Ratio applies and includes Lenders' Mortgage Insurance and Great Southern Bank loan setup fees where applicable.</p><p>6 On expiry of the fixed rate period, the loan reverts to the Basic Variable Reference Rate relevant to your loan purpose and repayment type which applies at the time of expiry.</p><p>7 A $200 minimum withdrawal amount applies for redraws conducted in-branch.</p><p>8 You must maintain a minimum balance of $500 in each offset account to obtain an offset benefit. You will also not receive any interest on the funds in your offset accounts.</p><p>9 A daily transfer will refund any amounts paid in advance in excess of the total advance repayments allowed during the fixed rate period ($30,000) unless sufficient to pay out the loan in full (in which case an Early Payout Cost may apply). Excess funds will be transferred to the nominated deposit account, which must remain open for the fixed rate period.</p><p><sup>^</sup> Comparison rate accurate for $150,000 secured loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.</p><p><p><sup>#</sup>Offer includes $0 Establishment Fee and is open to new or existing customers applying for a minimum application amount of $100,000 or more. Excludes applications for Internal Refinance of existing facilities. Applications must be received between 31/08/2022 and 30/06/2025 and settled by 30/09/2025. To be eligible to apply online you must be at least 18 years of age, a permanent resident of Australia, applying for yourself or as a married/defacto couple and buying an existing property or refinancing. Great Southern Bank may withdraw or amend this offer at any time without notice.</p></p></div> </div> </div> </div> </div><div data-component="Modal Module" data-cid="modal-module" data-aid="430952" id="lvr-requirements" class="modal-module module-430952 modal-module--start-closed " data-modal-overlay="#modal-module_overlay-430952" data-modal-type="generic" > <div class="modal-module_inner module-430952_inner"> <div class="modal-module_header module-430952_header "> <div class="modal-module_title module-430952_title pr-2">Loan-to-value (LVR) requirements</div> <div class="modal-module_close-btn module-430952_close-btn"></div> </div> <div class="modal-module_body module-430952_body "> <div class="modal-module_body-content module-430952_body-content modal-module_body-430960" data-global-content="modal" data-aid="430960"><div data-component="Basic Module" data-cid="basic" data-aid="430962" class="basic-module module-430962 spacing-top--none spacing-bottom--none "> <div class="basic-module_inner module-430962_inner"> <div style="border-bottom: 2px solid #e3e6e8; padding-bottom:32px"><h3>Fixed Rate Home Loan</h3><p>Owner Occupiers</p><ul class="basic-module_ul basic-module_ul--tick"><li>Principal & Interest repayment: 95% maximum Loan to Value Ratio (LVR) including Lenders Mortgage Insurance (LMI)</li><li>Interest Only repayment: 90% maximum LVR including LMI</li></ul><p>Investors</p><ul class="basic-module_ul basic-module_ul--tick"><li>Principal & Interest repayment: 90% maximum LVR including LMI</li><li>Interest Only repayment: 90% maximum LVR including LMI</li></ul></div><div style="border-bottom: 2px solid #e3e6e8; padding-bottom:32px;margin-top:32px;"><h3>Basic Variable Home Loan</h3><p>Owner Occupiers</p><ul class="basic-module_ul basic-module_ul--tick"><li>Principal & Interest repayment: 95% maximum Loan to Value Ratio (LVR) including Lenders Mortgage Insurance (LMI)</li><li>Construction purpose: 95% maximum LVR including LMI</li><li>Interest Only repayment: 90% maximum LVR including LMI</li></ul><p>Investors</p><ul class="basic-module_ul basic-module_ul--tick"><li>90% maximum LVR including LMI</li></ul></div><div style="padding-bottom:32px;margin-top:32px;"><h3>Offset Variable Home Loan</h3><p>Owner Occupiers</p><ul class="basic-module_ul basic-module_ul--tick"><li>Principal & Interest repayment: 95% maximum Loan to Value Ratio (LVR) including Lenders Mortgage Insurance (LMI)</li><li>Construction purpose: 95% maximum LVR including LMI</li><li>Interest Only repayment: 90% maximum LVR including LMI</li></ul><p>Investors</p><ul class="basic-module_ul basic-module_ul--tick"><li>90% maximum LVR including LMI</li></ul></div><div class="basic-module_buttons"><a class="basic-module_button basic-module_button--secondary-arrow-left" data-close-modal="#lvr-requirements">Back to eligibility</a></div> </div> </div> </div> </div> </div> </div> <div id="modal-module_overlay-430952" class="modal-module_overlay modal-module--start-closed"></div><div id='refinance-calculator-modal' class="modal-module modal-module--start-closed" data-modal-overlay="#modal-module_overlay-490236" data-component='Text Modal' data-cid="text-modal" data-aid="490236"> <div class="d-flex align-center p-3 justify-between"> <div class="headline-3-sm headline-4 color-deepocean">How is this calculated</div> <div class="modal-module_close-btn"></div> </div> <div class="ph-3 pb-3"> <div id="how_is_this_calculated_-_modal_module_new_490236"> <div class="paragraph-2 color-neutral-900"><div class="headline-5">Important information</div><p>The results from this calculator should be used as an indication only. Repayment is for principal and interest. Changes in interest rates, repayment frequency and loan term will affect the repayment and savings amounts.</p><p>Your contracted home loan repayments will be set to a monthly frequency, meaning you will need to meet the agreed repayment amount by the due date stated on your loan contract each month. To meet this minimum monthly amount, you can however make repayments weekly or fortnightly.</p><p>Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). If you are borrowing more than 80% of the value of the property, Lenders Mortgage Insurance will apply. Any of these additional amounts will increase the repayments and decrease the savings under the loan.</p><p>Lending is to approved applicants only and all lending is subject to a detailed credit assessment.</p><p>This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting on it.</p><div><a class="btn btn-2-s btn-width-auto btn-md" data-close-modal="#refinance-calculator-modal"><div class="icon-css icon-arrow-deepocean icon-size-2 icon-direction-180 mr-2"></div> Back to calculator</a></div></div> </div> </div> </div> <div id="modal-module_overlay-490236" class="modal-module_overlay modal-module--start-closed"></div>  </div> </div>  <div class="page_content-bottom normal-page_content-bottom layout-generic_content-bottom page-429170_content-bottom"> <div class="page_content-bottom-inner normal-page_content-bottom-inner layout-generic_content-bottom-inner page-429170_content-bottom-inner"> </div> </div> </div> <footer class="main-footer bg-deepocean d-flex justify-center direction-row pos-rel"> <div class="main-footer_wrap d-flex direction-column direction-row-lg justify-center-lg pos-rel"> <div class="main-footer_back d-flex direction-column pos-abs align-center"> <div 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property </div> </div> <div id="hlEnquiryJourney-tile-building" class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="renovating_what-stage" data-step-set-field="q438584:q1,building"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-build-home" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm building or renovating </div> </div> <div id="hlEnquiryJourney-tile-refinancing" class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="refinancing_what-stage" data-step-set-field="q438584:q1,refinancing"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-refinance" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm refinancing </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="discuss_plans" data-step-set-field="q438584:q1,discuss"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--chat-bubbles" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> Discuss my Great Southern Bank Home Loan </div> </div> </div> <div class="hl-enquiry-journey_stepper-none"> <span class="hl-enquiry-journey_stepper-none-link" data-step-auto-choice="none_how-connect" data-step-set-field="q438584:q1,none">None of these</span> </div> <div class="hl-enquiry-journey_stepper-buttons"> <button class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--start" disabled>Get started</button> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateWhatStage"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> What stage are you at? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q2,I'm ready to apply for a home loan"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--search-cursor" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm ready to apply for a home loan </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q2,I'm applying for pre-approval"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--approved" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm applying for pre-approval </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q2,I want to know if I qualify"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-people-users--verify-person" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I want to know if I qualify </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q2,I'm researching my options"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-documentation--clipboard" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm researching my options </div> </div> </div> <div class="hl-enquiry-journey_stepper-help"> <div class="hl-enquiry-journey_stepper-tooltip"> <div class="hl-enquiry-journey_stepper-tooltip-link">What's pre-approval?</div> <div class="hl-enquiry-journey_stepper-tooltip-content"> <p>Applying for pre-approval allows you to know the maximum amount you can borrow while you look for a property.</p> <p>Pre-approval means that a lender has agreed to lend you an amount of money in-principle, but the loan hasn't been proceeded to full or final approval.</p> <p>While pre-approval is not a fully approved loan it can help you narrow your search, negotiate, and make an offer with certainty and confidence.</p> </div> <div class="hl-enquiry-journey_stepper-tooltip-arrow hl-enquiry-journey_stepper-tooltip-arrow--left"></div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateBorrowAmount"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> How much would you like to borrow? </div> <div class="hl-enquiry-journey_stepper-subtitle">If you are unsure, please enter an approximate amount.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--input-field"> <div class="hl-enquiry-journey_stepper-input-wrap"> <div class="hl-enquiry-journey_stepper-input"> <input id="templateBorrowAmount" type="tel" class="hl-enquiry-journey_stepper-input-field" data-step-set-currency-field="q438584:q3" data-step-input-min="100000" data-step-input-max="5000000"> </div> <div class="hl-enquiry-journey_stepper-input-validation">The minimum amount you can borrow is $100,000</div> </div> <div class="hl-enquiry-journey_stepper-buttons"> <button class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--next" disabled>Next</button> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateBorrowWhen"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> When would you like to borrow? </div> <div class="hl-enquiry-journey_stepper-subtitle">If unsure, please select an approximate timeframe.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-no-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q4,Now"> <div class="hl-enquiry-journey_stepper-tile-label"> Now </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q4,Within 3 months"> <div class="hl-enquiry-journey_stepper-tile-label"> Within 3 months </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q4,In 3+ months"> <div class="hl-enquiry-journey_stepper-tile-label"> In 3+ months </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateCustomer"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Are you a Great Southern Bank customer? </div> <div class="hl-enquiry-journey_stepper-subtitle">Great Southern Bank was previously known as CUA.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-no-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q5,Yes"> <div class="hl-enquiry-journey_stepper-tile-label"> Yes </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q5,No"> <div class="hl-enquiry-journey_stepper-tile-label"> No </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateHaveHomeLoan"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Do you have a home loan with Great Southern Bank? </div> <div class="hl-enquiry-journey_stepper-subtitle">Great Southern Bank was previously known as CUA.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-no-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q6,Yes"> <div class="hl-enquiry-journey_stepper-tile-label"> Yes </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--no-icon" data-step-set-field="q438584:q6,No"> <div class="hl-enquiry-journey_stepper-tile-label"> No </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateAnythingElse"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Would you like to tell us anything else? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--free-text-field"> <div class="hl-enquiry-journey_stepper-free"> <textarea id="templateAnythingElse" class="hl-enquiry-journey_stepper-free-field" placeholder="Type here..." data-step-set-text-field="q438584:q7"></textarea> <div class="hl-enquiry-journey_stepper-free-validation warning">For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.</div> </div> <div class="hl-enquiry-journey_stepper-buttons"> <div class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--next">Next</div> <div class="hl-enquiry-journey_stepper-skip" data-step-skip>Skip this step</div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateBuildingPlans"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Tell us a little more about your plans </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q8,I'm planning to build"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-build-home" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm planning to build </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q8,I'm planning to renovate"> <div class="hl-enquiry-journey_stepper-tile-icon "> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-build-home" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm planning to renovate </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateWhatStageRefinance"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> What stage are you at? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q14,I'm ready to refinance"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--search-cursor" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm ready to refinance </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q14,I want to know if I qualify"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-people-users--verify-person" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I want to know if I qualify </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q14,I'm researching my options"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-documentation--clipboard" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I'm researching my options </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateCurrentMortgage"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> How much is your current mortgage? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--input-field"> <div class="hl-enquiry-journey_stepper-input-wrap"> <div class="hl-enquiry-journey_stepper-input"> <input type="tel" class="hl-enquiry-journey_stepper-input-field hl-enquiry-journey_stepper-input-field--warning" data-step-set-currency-field="q438584:q9"> </div> <div class="hl-enquiry-journey_stepper-input-validation hl-enquiry-journey_stepper-input-validation--warning">Please enter a numeric value</div> </div> <div class="hl-enquiry-journey_stepper-buttons"> <button class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--next" disabled>Next</button> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateDiscussPlans"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> What are your plans? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q10,I want to increase my existing home loan"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-investment" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I want to increase my existing home loan </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q10,I want to switch or restructure my existing home loan"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--salary-switch" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I want to switch or restructure my existing home loan </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-set-field="q438584:q10,I want to discuss my existing home loan"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--chat-bubbles" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> I want to discuss my existing home loan </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateDiscuss"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> What would you like to discuss? </div> <div class="hl-enquiry-journey_stepper-subtitle">Please provide a little information so we can best answer your query.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--free-text-field"> <div class="hl-enquiry-journey_stepper-free"> <textarea id="templateDiscuss" class="hl-enquiry-journey_stepper-free-field" placeholder="Type here..." data-step-set-text-field="q438584:q13"></textarea> <div class="hl-enquiry-journey_stepper-free-validation warning">For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.</div> </div> <div class="hl-enquiry-journey_stepper-buttons"> <button class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--next" disabled>Next</button> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateConnect"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> How would you like to connect? </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--callback" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> Request a call back </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--contact" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> Call us on 133 282 </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateScheme"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Speak to a Home Loan Specialist </div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--tile-with-icon"> <div class="hl-enquiry-journey_stepper-tiles"> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="government_what-stage" data-step-set-field="q438584:q12,First Home Loan Deposit Scheme"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-first-home" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> First Home Guarantee </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="government_what-stage" data-step-set-field="q438584:q12,Family Home Guarantee"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-owner-occupier" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> Family Home Guarantee </div> </div> <div class="hl-enquiry-journey_stepper-tile hl-enquiry-journey_stepper-tile--with-icon" data-step-choice="government_what-stage" data-step-set-field="q438584:q12,Regional First Home Buyer Guarantee"> <div class="hl-enquiry-journey_stepper-tile-icon"> <svg class="svg-heritageteal"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-product--home-loan-owner-occupier" xlink:type="simple"></use> </svg> </div> <div class="hl-enquiry-journey_stepper-tile-label"> Regional First Home Buyer Guarantee </div> </div> </div> <div class="hl-enquiry-journey_stepper-help"> <div class="hl-enquiry-journey_stepper-tooltip"> <div class="hl-enquiry-journey_stepper-tooltip-link">What are the Government Home Buying Schemes?</div> <div class="hl-enquiry-journey_stepper-tooltip-content"> <p>The Australian Government has introduced initiatives to support eligible Australians to build or purchase a new home sooner: the First Home Guarantee, Family Home Guarantee and Regional First Home Buyer Guarantee.</p> </div> <div class="hl-enquiry-journey_stepper-tooltip-arrow"></div> </div> </div> <div class="hl-enquiry-journey_stepper-buttons"> <button class="hl-enquiry-journey_stepper-button hl-enquiry-journey_stepper-button--start" disabled>Get started</button> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateReachYou"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--form"> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateThanks"> <div class="hl-enquiry-journey_stepper-item-inner"> <svg class="hl-enquiry-journey_stepper-svg"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-basic--circle-tick"></use> </svg> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> Thanks <span class="hl-enquiry-journey_thanks-name">[Name]</span>, we'll speak to you soon </div> <div class="hl-enquiry-journey_stepper-subtitle">One of our Home Loan Specialists will call you on <span class="hl-enquiry-journey_thanks-mobile">[0413 456 789]</span> at your preferred time.</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--confirmation"> <div class="hl-enquiry-journey_thanks mb-3"> <div class="hl-enquiry-journey_thanks-title">To help you get the most out of your call, we recommend having some details ready:</div> <ul class="hl-enquiry-journey_thanks-list"> <li>Identification details</li> <li>Details of your income and expenses</li> <li>Financial details, including what you own and what you owe</li> </ul> <div class="hl-enquiry-journey_thanks-contact"> <div class="hl-enquiry-journey_thanks-contact-title">In the meantime, if you have any questions, we’d be happy to help.</div> <div class="hl-enquiry-journey_thanks-contact-cols"> <div class="hl-enquiry-journey_thanks-contact-col"> <div class="hl-enquiry-journey_thanks-contact-col-title"> <svg class="hl-enquiry-journey_thanks-contact-col-svg"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--contact"></use> </svg> <div class="hl-enquiry-journey_thanks-contact-col-title-text">Call us on <a href="tel:133282">133 282</a></div> </div> <div class="hl-enquiry-journey_thanks-contact-col-copy"> Mon - Fri: 9:30am - 4:00pm (AEDT)<br> </div> </div> <div class="hl-enquiry-journey_thanks-contact-col"> <div class="hl-enquiry-journey_thanks-contact-col-title"> <svg class="hl-enquiry-journey_thanks-contact-col-svg"> <use xlink:href="/media/svgs/icons-main.svg?v=0.60.0#icon-outline-misc--location"></use> </svg> <div class="hl-enquiry-journey_thanks-contact-col-title-text">Visit us</div> </div> <div class="hl-enquiry-journey_thanks-contact-col-copy"> Visit your nearest Great Southern Bank <a href="https://www.greatsouthernbank.com.au/branch-locator" target="_blank">branch</a>. </div> </div> </div> </div> </div> </div> </div> </div><div class="hl-enquiry-journey_stepper-item" data-step="step-templateError"> <div class="hl-enquiry-journey_stepper-item-inner"> <div class="hl-enquiry-journey_stepper-titles"> <div class="hl-enquiry-journey_stepper-title"> There was an error processing your submission </div> <div class="hl-enquiry-journey_stepper-subtitle">Please try again</div> </div> <div class="hl-enquiry-journey_stepper-contents hl-enquiry-journey_stepper-contents--other"> <div class="hl-enquiry-journey_error"> </div> </div> </div> </div> </div> </div><div data-component="Modal Module" data-cid="modal-module" data-aid="441656" id="modal-preapproval" class="modal-module module-441656 modal-module--start-closed " data-modal-overlay="#modal-module_overlay-441656" data-modal-type="generic" > <div class="modal-module_inner module-441656_inner"> <div class="modal-module_header module-441656_header "> <div class="modal-module_title module-441656_title pr-2">What is pre-approval?</div> <div class="modal-module_close-btn module-441656_close-btn"></div> </div> <div class="modal-module_body module-441656_body "> </div> </div> </div> <div id="modal-module_overlay-441656" class="modal-module_overlay modal-module--start-closed"></div> <div style="display: none"><div class="hl-enquiry-journey_reach-you mb-1"> <div class="hl-enquiry-journey_reach-you_title text-center">How can we reach you?</div> <div class="hl-enquiry-journey_reach-you_main gsb-fe_section-main"> <div class="fieldrow gsb-fe_group"> <div class="gsb-fe_field" id="HLEnquiryFirstname"> <div class="gsb-fe_field-title"><label class="sq-form-question-title" for="q438585_q1">First name</label></div> <div class="gsb-fe_field-field"> <input type="text" name="q438585:q1" value="" size="30" maxlength="300" data-gsb-fe-pattern-negative="((https?:\/\/)|(\/)|(..\/))(\w+:{0,1}\w*@)?(\S+)(:[0-9]+)?(\/|\/([\w#!:.?+=&%@!\-\/]))?" id="q438585_q1" class="sq-form-field" /> <span class="gsb-fe_validation-icon"></span> </div> <div class="gsb-fe_field-message">Please enter your first name</div> </div> <div class="gsb-fe_field" id="HLEnquiryLastname"> <div class="gsb-fe_field-title"><label class="sq-form-question-title" for="q438585_q2">Last name</label></div> <div class="gsb-fe_field-field"> <input type="text" name="q438585:q2" value="" size="30" maxlength="300" data-gsb-fe-pattern-negative="((https?:\/\/)|(\/)|(..\/))(\w+:{0,1}\w*@)?(\S+)(:[0-9]+)?(\/|\/([\w#!:.?+=&%@!\-\/]))?" id="q438585_q2" class="sq-form-field" /> <span class="gsb-fe_validation-icon"></span> </div> <div class="gsb-fe_field-message">Please enter your last name</div> </div> </div> <div class="fieldrow gsb-fe_group"> <div class="gsb-fe_field" style="width: 100%;" id="HLEnquiryMobile"> <div class="gsb-fe_field-title"><label class="sq-form-question-title" for="q438585_q3">Mobile number</label></div> <div class="gsb-fe_field-field"> <input type="tel" name="q438585:q3" value="" size="30" maxlength="300" data-gsb-fe-pattern="^(?:\+?(61))? ?(?:$(?=.*$))?(0?[2-57-8])\)? ?(\d\d(?:[- ](?=\d{3})|(?!\d\d[- ]?\d[- ]))\d\d[- ]?\d[- ]?\d{3})$" id="q438585_q3" class="sq-form-field" /> <span class="gsb-fe_validation-icon"></span> </div> <div class="gsb-fe_field-message"></div> </div> <div class="select-bravo__wrap gsb-fe_field" style="width: 100%;" id="HLEnquiryState"> <div class="gsb-fe_field-title"><label class="sq-form-question-title" for="q438585_q9">State</label></div> <div class="gsb-fe_field-field" style="margin-top: 11px;"><select name="q438585:q9" id="q438585_q9" class="select-bravo select-bravo-sm select-bravo--withoutDivider box-rad-0" data-gsb-fe-pattern-negative="Select"><option value="Select" selected="selected">Select</option><option value="ACT">ACT</option><option value="NSW">NSW</option><option value="NT">NT</option><option value="QLD">QLD</option><option value="SA">SA</option><option value="TAS">TAS</option><option value="VIC">VIC</option><option value="WA">WA</option></select></div> <div class="gsb-fe_field-message">Please enter your state</div> </div> </div> <div class="fieldrow gsb-fe_group"> <div class="gsb-fe_field" data-gsb-fe-field-size="full" id="HLEnquiryEmail"> <div class="gsb-fe_field-title"><label class="sq-form-question-title" for="q438585_q5">Email address</label></div> <div class="gsb-fe_field-field"> <input type="text" name="q438585:q5" value="" size="30" maxlength="300" data-gsb-fe-pattern="^[a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+\.[a-zA-Z]{2,}$" id="q438585_q5" class="sq-form-field" /> <span class="gsb-fe_validation-icon"></span> </div> <div class="gsb-fe_field-message">Please enter valid email address</div> <div class="gsb-fe_field-caveat">We’ll email you if we’re unable to contact you by phone</div> </div> </div> <div class="fieldrow gsb-fe_group mb-2"> <div class="gsb-fe_field gsb-fe_field--radio-button" id="HLEnquiryPrivacy"> <div class="gsb-fe_field-title"><span class="sq-form-question-title-break">When would you prefer to be </span> <span>contacted?<span class="hl-enquiry-journey_reach-you_tooltip"><span class="hl-enquiry-journey_reach-you_tooltip-content"> <div class="mb-1">Opening hours:</div> <div>Mon - Fri: 9:30am - 4:00pm (AEDT)</div> <div></div> </span><span class="hl-enquiry-journey_reach-you_tooltip-arrow"></span></span></span> </div> <div class="gsb-fe_field-field"><ul><li><input type="radio" name="q438585:q6" id="q438585_q6_0" value="0" checked="checked" class="sq-form-field" /> <label for="q438585_q6_0">Anytime</label></li><li><input type="radio" name="q438585:q6" id="q438585_q6_1" value="1" class="sq-form-field" /> <label for="q438585_q6_1">Morning</label></li><li><input type="radio" name="q438585:q6" id="q438585_q6_2" value="2" class="sq-form-field" /> <label for="q438585_q6_2">Afternoon</label></li><li><input type="radio" name="q438585:q6" id="q438585_q6_3" value="3" class="sq-form-field" /> <label for="q438585_q6_3">Evening</label></li></ul></div> </div> </div> <div class="hl-enquiry-journey_reach-you_disclaimer mb-3 mb-5-sm"> Great Southern Bank collects personal information on this form for the purpose of assisting with your enquiry. If you don’t provide this information we may not be able to help you. Our <a class="basic-module_a" href="https://www.greatsouthernbank.com.au/privacy-policy" target="_blank">Privacy Policy</a> contains information on how we manage personal information, how you may access and seek correction of information we hold on you, how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. We store some information in a secure environment in "the cloud" – our privacy policy sets out which countries this information may be hosted in. </div> <div style="display: none"><input type="text" name="faxNumber" value="" size="10" maxlength="10" class="" id="q438277_comment" title="If you are a human, do not fill in this field." /></div> <div class="hl-enquiry-journey_reach-you_submit-button-wrap mt"> <input type="submit" name="form_email_438277_submit" value="Submit" class="sq-form-submit hl-enquiry-journey_reach-you_submit" id="form_email_438277_submit" disabled=""> </div> </div> </div></div> <div class="hl-enquiry-journey_hidden-fields" style="display: none;"> <h3>Scenario fields</h3><table width="100%"><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q1">Tell us what you are looking for and we’ll be in touch</label></td><td width="60%"><select name="q438584:q1" id="q438584_q1" class="sq-form-field"><option value="-1">-- Please Select --</option><option value="buying">I’m buying a property</option><option value="building">I’m building or renovating</option><option value="refinancing">I’m refinancing</option><option value="discuss">Discuss Great Southern Bank Home Loan</option><option value="none">None of these</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q2">What stage are you at?</label></td><td width="60%"><select name="q438584:q2" id="q438584_q2" class="sq-form-field"><option value="--" selected="selected">-- Please Select --</option><option value="I'm researching my options">I’m researching my options</option><option value="I'm ready to apply for a home loan">I’m ready to apply for a home loan</option><option value="I want to know if I qualify">I want to know if I qualify</option><option value="I'm applying for pre-approval">I'm applying for pre-approval</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q3">How much would you like to borrow?</label></td><td width="60%"><input type="text" name="q438584:q3" value="" size="30" maxlength="300" id="q438584_q3" class="sq-form-field" /></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q4">When would you like to borrow?</label></td><td width="60%"><select name="q438584:q4" id="q438584_q4" class="sq-form-field"><option value="Now" selected="selected">Now</option><option value="Within 3 months">Within 3 Months</option><option value="In 3+ months">In 3 + Months</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q5">Are you a Great Southern Bank Customer?</label></td><td width="60%"><select name="q438584:q5" id="q438584_q5" class="sq-form-field"><option value="Yes" selected="selected">Yes</option><option value="No">No</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q6">Do you have a Home Loan with Great Southern Bank?</label></td><td width="60%"><select name="q438584:q6" id="q438584_q6" class="sq-form-field"><option value="Yes">Yes</option><option value="No" selected="selected">No</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q7">Would you like to tell us anything else?</label></td><td width="60%"><textarea name="q438584:q7" id="q438584_q7" cols="30" rows="2" maxlength="300" class="sq-form-field" ></textarea></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q8">Tell us a little more about your plans</label></td><td width="60%"><select name="q438584:q8" id="q438584_q8" class="sq-form-field"><option value="I'm planning to build" selected="selected">I’m planning to build</option><option value="I'm planning to renovate">I’m planning to renovate</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q9">How much is your current mortgage?</label></td><td width="60%"><input type="text" name="q438584:q9" value="" size="30" maxlength="300" id="q438584_q9" class="sq-form-field" /></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q10">What are your plans?</label></td><td width="60%"><select name="q438584:q10" id="q438584_q10" class="sq-form-field"><option value="I want to increase my existing home loan" selected="selected">I want to increase my existing home loan</option><option value="I want to switch or restructure my existing home loan">I want to switch or restructure my existing home loan</option><option value="I want to discuss my existing home loan">I want to discuss my existing home loan</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q11">How would you like to connect?</label></td><td width="60%"><select name="q438584:q11" id="q438584_q11" class="sq-form-field"><option value="Request a callback" selected="selected">Request a callback</option><option value="Call us on 133 282">Call us on 133 282</option><option value="Chat with us online">Chat with us online</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q12">Tell us which scheme you are interested in and we'll be in touch</label></td><td width="60%"><select name="q438584:q12" id="q438584_q12" class="sq-form-field"><option value="First Home Loan Deposit Scheme" selected="selected">First Home Loan Deposit Scheme</option><option value="New Home Guarantee">New Home Guarantee</option><option value="Family Home Guarantee">Family Home Guarantee</option><option value="Regional First Home Buyer Guarantee">Regional First Home Buyer Guarantee</option></select></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q13">What would you like to discuss?</label></td><td width="60%"><textarea name="q438584:q13" id="q438584_q13" cols="30" rows="2" maxlength="300" class="sq-form-field" ></textarea></td></tr><tr><td valign="top" width="40%"><label class="sq-form-question-title" for="q438584_q14">What stage are you at?</label></td><td width="60%"><select name="q438584:q14" id="q438584_q14" class="sq-form-field"><option value="I'm researching my options" selected="selected">I'm researching my options</option><option value="I want to know if I qualify">I want to know if I qualify</option><option value="I'm ready to refinance">I'm ready to refinance</option></select></td></tr></table> <input id="ECID" name="ECID" type="hidden" value=""/> <input id="CID" name="CID" type="hidden" value=""/> <input id="GCLID" name="GCLID" type="hidden" value=""/> <input id="ENTRY_PAGE_URL" name="ENTRY_PAGE_URL" type="hidden" value=""/> </div> </div> <div class="hl-enquiry-journey_footer">© Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit Licence 238317</div> </div> </div></form></div><div id="content_container_439520"> </div>  </div> </div> <div id="fullscreen-modal_overlay-442315" class="fullscreen-modal_overlay fullscreen-modal--start-closed"></div> </div> <script> pageData = pageData || {}; pageData.hlEnquiryJson = "https://www.greatsouthernbank.com.au/data/json/home-loan-enquiry-form.json"; </script> <script type="text/javascript" src="https://www.greatsouthernbank.com.au/__data/assets/js_file_folder/0014/440141/hl-enquiry-form.js?v=0.24.0" defer></script> <div class="before-closing-body"></div> <script type="text/javascript"> (function(e,t,o,n,p,r,i){e.visitorGlobalObjectAlias=n;e[e.visitorGlobalObjectAlias]=e[e.visitorGlobalObjectAlias]||function(){(e[e.visitorGlobalObjectAlias].q=e[e.visitorGlobalObjectAlias].q||[]).push(arguments)};e[e.visitorGlobalObjectAlias].l=(new 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Home loan refinance | Great Southern Bank