BankSA home loans

3.6
Based on 297 BankSA home loan product reviews.
Fact Checked

Since opening its first branch in 1948, BankSA has become the largest financial institution in South Australia providing an extensive range of housing, personal finance and rural banking services. In 2008, BankSA became part of the Westpac Group.

BankSA’s home loans suit all types of borrowers whether you’re a first home buyer, property investor or refinancer. In fact its home loans even won a Mozo Experts Choice Award in 2022 for best First Home Buyer Loan .

You don’t have to live in Australia’s wine state to be eligible for a BankSA home loan. Anyone with a computer or phone can apply for a BankSA home loan as long as you meet the home lending criteria.

Liking what you hear? On this page, you’ll find all you need to know about BankSA home loans including the features to keep an eye out for, how its home loans were rated by the Mozo community and what you’ll need to apply for a BankSA home loan.

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 426 home loans using the filters.
Last updated 11 December 2024 Important disclosures and comparison rate warning*
What are your home loan needs?

Your loan-to-value ratio (LVR): 50%

Loan amount and LVR will affect interest rates.

  • Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    • <70% LVR
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    7.41 % p.a.
    Initial monthly repayment
    $2,931
    No Partner link

  • Fixed Home Loan

    • Investment
    • Principal & Interest
    • <70% LVR
    Interest rate
    5.99 % p.a.
    Fixed 2 years
    Comparison rate
    7.77 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link

  • Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    • <70% LVR
    Interest rate
    5.99 % p.a.
    Fixed 2 years
    Comparison rate
    8.26 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link

  • Fixed Home Loan

    • Investment
    • Principal & Interest
    • <70% LVR
    Interest rate
    6.19 % p.a.
    Fixed 2 years
    Comparison rate
    8.74 % p.a.
    Initial monthly repayment
    $3,059
    No Partner link

  • Basic Home Loan Special Offer

    • Owner Occupier
    • Principal & Interest
    • <70% LVR
    Interest rate
    6.29 % p.a.
    Variable
    Comparison rate
    6.30 % p.a.
    Initial monthly repayment
    $3,092
    No Partner link

  • Basic Home Loan Special Offer

    • Investment
    • Principal & Interest
    • <70% LVR
    Interest rate
    6.54 % p.a.
    Variable
    Comparison rate
    6.55 % p.a.
    Initial monthly repayment
    $3,174
    No Partner link

  • Variable Home Loan

    • Owner Occupier
    • Principal & Interest
    • <70% LVR
    Interest rate
    7.39 % p.a.
    Variable
    Comparison rate
    7.74 % p.a.
    Initial monthly repayment
    $3,458
    No Partner link

  • Variable Home Loan

    • Investment
    • Principal & Interest
    • <70% LVR
    Interest rate
    7.96 % p.a.
    Variable
    Comparison rate
    8.30 % p.a.
    Initial monthly repayment
    $3,655
    No Partner link

  • Standard Variable Home Loan

    • Owner Occupier
    • Principal & Interest
    • <70% LVR
    Interest rate
    8.70 % p.a.
    Variable
    Comparison rate
    8.84 % p.a.
    Initial monthly repayment
    $3,916
    No Partner link

  • Standard Variable Home Loan

    • Investment
    • Principal & Interest
    • <70% LVR
    Interest rate
    9.27 % p.a.
    Variable
    Comparison rate
    9.41 % p.a.
    Initial monthly repayment
    $4,121
    No Partner link

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BankSA home loan ratings

Overall customer rating for BankSA home loans

3.6
Based on 297 product reviews.

Customer reviews

Important disclosures

BankSA products

Home loan quick links


* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.