Great Southern Bank vs UBank home loan rates
6 shared loan types · as at 2 Nov 2026
Great Southern Bank is lower on 0 of 6 shared loan types, UBank on 6. Each figure is that lender's lowest current standard rate for the loan type, as advertised and recorded by RateSonar as at 2 Nov 2026. It is not an offer.
| Loan type | Great Southern Bank | UBank | Gap |
|---|---|---|---|
| Owner-occupier variable | 6.49% Basic Variable OO P&I, comparison 6.55% | 6.39% Neat - OO Variable P&I, comparison 6.41% | UBank lower by 10 bps |
| Owner-occupier 1-year fixed | 6.75% 1 year Fixed Rate OO P&I, comparison 8.15% | 6.74% Flex - Fixed OO P&I, comparison 6.62% | UBank lower by 1 bps |
| Owner-occupier interest-only | 7.19% Basic Variable OO IO, comparison 6.75% | 6.74% Flex - Variable OO IO, comparison 6.76% | UBank lower by 45 bps |
| Investor variable | 6.64% Basic Variable Investment P&I, comparison 6.70% | 6.54% Neat - INV Variable P&I, comparison 6.56% | UBank lower by 10 bps |
| Investor fixed (any term) | 6.95% 3 year Fixed Rate INV P&I, comparison 8.22% | 6.79% Flex - Fixed INV P&I, comparison 6.71% | UBank lower by 16 bps |
| Investor interest-only | 6.89% Basic Variable Investment IO, comparison 6.81% | 6.74% Neat - INV Variable IO, comparison 6.65% | UBank lower by 15 bps |
Each cell is the lender's lowest-rate current standard loan of that type, recorded on or before 2 Nov 2026. A lender can list more than one loan of a type; see all of them on Great Southern Bank and UBank. Home loan rate history: Great Southern Bank and UBank.A pair is shown only when both lenders list at least 4 of the same loan types.
| Loan types compared | 6 |
|---|---|
| Lower on more types | UBank |
| Great Southern Bank: current standard loans | 23 |
| UBank: current standard loans | 11 |
| Great Southern Bank: lowest standard rate, first to latest record | 6.24% on 17 Jul 2026, 6.49% on 1 Nov 2026 |
| UBank: lowest standard rate, first to latest record | 6.14% on 19 Jul 2026, 6.39% on 2 Nov 2026 |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days. |
Common questions
Who has the lower home loan rate, Great Southern Bank or UBank?
UBank is lower on more loan types. Great Southern Bank is lower on 0 of 6 shared loan types, UBank on 6. For owner-occupier variable, Great Southern Bank is 6.49% and UBank is 6.39%.
Which loan types are compared?
Only types where both lenders have a current standard loan with a fresh record: owner-occupier variable, owner-occupier 1-year fixed, owner-occupier interest-only, investor variable, investor fixed (any term), investor interest-only. Not compared because only one lender lists them: owner-occupier 2-year fixed (Great Southern Bank only), owner-occupier 3-year fixed (Great Southern Bank only), owner-occupier 5-year fixed (Great Southern Bank only).
Is the lowest advertised rate the rate I would get?
Not necessarily. These are advertised rates. The rate a lender offers a borrower can depend on the loan size, the loan-to-value ratio, the property and a package. Check the rate and conditions with the lender. This is general information, not financial advice.
Does RateSonar take applications or earn from either lender?
No. RateSonar takes no applications, is not affiliated with any lender and has no sponsored rows.
More lender comparisons: Commonwealth Bank (CBA) vs Great Southern Bank, Commonwealth Bank (CBA) vs UBank. Or see every home loan.