The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $750,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan of at least $750,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $750,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $750,000 with an LVR below 80%
Choose the version of loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 95% | $250,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 95% | $500,000 | $749,999 |
| | Owner Occupier | Principal & Interest | < 95% | $750,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | $249,999 |
| | Owner Occupier | Interest Only | < 80% | $250,000 | $499,999 |
| | Owner Occupier | Interest Only | < 80% | $500,000 | $749,999 |
| | Owner Occupier | Interest Only | < 80% | $750,000 | |
| | Investor | Principal & Interest | < 90% | $150,000 | $249,999 |
| | Investor | Principal & Interest | < 90% | $250,000 | $499,999 |
| | Investor | Principal & Interest | < 90% | $500,000 | $749,999 |
| | Investor | Principal & Interest | < 90% | $750,000 | |
| | Investor | Interest Only | < 80% | $150,000 | $249,999 |
| | Investor | Interest Only | < 80% | $250,000 | $499,999 |
| | Investor | Interest Only | < 80% | $500,000 | $749,999 |
| | Investor | Interest Only | < 80% | $750,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000 $249,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $250,000 $499,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $500,000 $749,999
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $750,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000 $249,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $250,000 $499,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $500,000 $749,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $750,000
Investor (Principal & Interest)
LVR < 90%
Loan: $150,000 $249,999
Investor (Principal & Interest)
LVR < 90%
Loan: $250,000 $499,999
Investor (Principal & Interest)
LVR < 90%
Loan: $500,000 $749,999
Investor (Principal & Interest)
LVR < 90%
Loan: $750,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $249,999
Investor (Interest Only)
LVR < 80%
Loan: $250,000 $499,999
Investor (Interest Only)
LVR < 80%
Loan: $500,000 $749,999
Investor (Interest Only)
LVR < 80%
Loan: $750,000
3.85% p.a.
4.90% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.90% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.90% p.a.
$395.00 yearly
3.85% p.a.
4.76% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.76% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.76% p.a.
$395.00 yearly
3.85% p.a.
4.72% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.72% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.72% p.a.
$395.00 yearly
3.85% p.a.
4.69% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.69% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
3.85% p.a.
4.69% p.a.
$395.00 yearly
4.59% p.a.
5.52% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.52% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.52% p.a.
$395.00 yearly
4.59% p.a.
5.37% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.37% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.37% p.a.
$395.00 yearly
4.59% p.a.
5.34% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.34% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.34% p.a.
$395.00 yearly
4.59% p.a.
5.30% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.30% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.59% p.a.
5.30% p.a.
$395.00 yearly
4.19% p.a.
5.39% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.39% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.39% p.a.
$395.00 yearly
4.19% p.a.
5.25% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.25% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.25% p.a.
$395.00 yearly
4.19% p.a.
5.22% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.22% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.22% p.a.
$395.00 yearly
4.19% p.a.
5.18% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.18% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.19% p.a.
5.18% p.a.
$395.00 yearly
4.54% p.a.
5.87% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.87% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.87% p.a.
$395.00 yearly
4.54% p.a.
5.73% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.73% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.73% p.a.
$395.00 yearly
4.54% p.a.
5.69% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.69% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.69% p.a.
$395.00 yearly
4.54% p.a.
5.66% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.66% p.a.
$395.00 yearly
BankSA Fixed Home Loan (Advantage Package)
4.54% p.a.
5.66% p.a.
$395.00 yearly
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.09% (5.08%*)
3.85% (4.98%*)
3.85% (4.90%*)
4.39% (5.02%*)
4.39% (4.99%*)
(*)
(*)
4.75% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$150,000
$249,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.09% (4.90%*)
3.85% (4.82%*)
3.85% (4.76%*)
4.39% (4.89%*)
4.39% (4.88%*)
(*)
(*)
4.55% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$250,000
$499,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.09% (4.86%*)
3.85% (4.78%*)
3.85% (4.72%*)
4.39% (4.86%*)
4.39% (4.85%*)
(*)
(*)
4.50% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$500,000
$749,999
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.09% (4.81%*)
3.85% (4.74%*)
3.85% (4.69%*)
4.39% (4.83%*)
4.39% (4.82%*)
(*)
(*)
4.45% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$750,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.59% (5.65%*)
4.49% (5.56%*)
4.59% (5.52%*)
4.99% (5.60%*)
5.09% (5.61%*)
(*)
(*)
5.34% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$150,000
$249,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.59% (5.47%*)
4.49% (5.40%*)
4.59% (5.37%*)
4.99% (5.47%*)
5.09% (5.50%*)
(*)
(*)
5.14% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$250,000
$499,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.59% (5.43%*)
4.49% (5.36%*)
4.59% (5.34%*)
4.99% (5.44%*)
5.09% (5.47%*)
(*)
(*)
5.09% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$500,000
$749,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.59% (5.38%*)
4.49% (5.32%*)
4.59% (5.30%*)
4.99% (5.41%*)
5.09% (5.45%*)
(*)
(*)
5.04% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$750,000
none
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.49% (5.62%*)
3.99% (5.45%*)
4.19% (5.39%*)
4.89% (5.55%*)
4.59% (5.39%*)
(*)
(*)
5.32% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$150,000
$249,999
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.49% (5.44%*)
3.99% (5.29%*)
4.19% (5.25%*)
4.89% (5.42%*)
4.59% (5.28%*)
(*)
(*)
5.12% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$250,000
$499,999
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.49% (5.40%*)
3.99% (5.25%*)
4.19% (5.22%*)
4.89% (5.39%*)
4.59% (5.25%*)
(*)
(*)
5.07% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$500,000
$749,999
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.49% (5.35%*)
3.99% (5.21%*)
4.19% (5.18%*)
4.89% (5.36%*)
4.59% (5.23%*)
(*)
(*)
5.02% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$750,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.39% (6.08%*)
4.29% (5.93%*)
4.54% (5.87%*)
5.19% (5.99%*)
4.89% (5.82%*)
(*)
(*)
5.86% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$150,000
$249,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
none
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.39% (5.91%*)
4.29% (5.77%*)
4.54% (5.73%*)
5.19% (5.87%*)
4.89% (5.71%*)
(*)
(*)
5.66% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$250,000
$499,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.39% (5.86%*)
4.29% (5.73%*)
4.54% (5.69%*)
5.19% (5.84%*)
4.89% (5.68%*)
(*)
(*)
5.61% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$500,000
$749,999
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
Rates and fees information correct as at 26 September 2018.
p.a.
p.a.
0 Months
none
4.39% (5.82%*)
4.29% (5.69%*)
4.54% (5.66%*)
5.19% (5.81%*)
4.89% (5.65%*)
(*)
(*)
5.56% p.a.
$0.00
$0.00
$0.00
$100.00
none
$395.00 yearly
$350.00
$750,000
none
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - free
$0.00
yes
yes - partial only
none
Receive $1,500 cash back when you refinance to a home loan under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Bank of Melbourne, Westpac, St.George, BankSA and RAMS). Offer ends 28 February 2019.
The major thing now is that with the advantage packages, the yearly fee is so high that it...
Read full review
The major thing now is that with the advantage packages, the yearly fee is so high that it becomes harder to save due to rates being very low.
Less
Juliska | South Australia
reviewed over 1 year ago
Great customer service and easy to use online banking!
Read full review
Great customer service and easy to use online banking!
Less
Monique | South Australia
reviewed over 2 years ago
I'm angry that the RBA has interest rates so low right now, yet, my bank variable rate is around...
Read full review
I'm angry that the RBA has interest rates so low right now, yet, my bank variable rate is around 5.5%. When my fix rate expires and I have the opportunity, I will switch banks to one with lower rates. I don't even care if I have to pay an exit fee - I will leave. It's not right for them to be profiting so high when RBA rates are at record low.
Less
Natalie | South Australia
reviewed over 2 years ago
Great internet banking, great home loan rate. Keep you informed of new options available. Great...
Read full review
Great internet banking, great home loan rate. Keep you informed of new options available. Great ATM service facilities. Would be good if there were more branches available.
Less
Amy | South Australia
reviewed over 3 years ago
Whilst certain employees of the Bank are polite and courteous, others not so. Also, it would be...
Read full review
Whilst certain employees of the Bank are polite and courteous, others not so. Also, it would be great if they endeavoured to do more for us, particularly with interest rates and try to dig a bit deeper to help us out more. Mainly all Banks seem to worry about their gigantic profits to help their "rich" shareholders, but give little thought to the average person on the street.....
Less
Juanita | South Australia
reviewed almost 4 years ago
BankSA is the largest financial institution in South Australia, and boasts the largest network of branches and ATMs in the state. BankSA aims to help South Australians get the best from their money, and offers a wide range of bank accounts, home loans, personal loans, credit cards and other financial services.
Heritage Bank
Discount Variable Home Loan
3.67% p.a. variable
3.69% p.a.
$150
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
3.72% p.a. variable
4.12% p.a.
$0
Virgin Money
Reward Me Variable Rate Home Loan
3.68% p.a. variable
3.82% p.a.
$150
State Custodians
Low Rate Home Loan with Offset
3.68% p.a.
3.69% p.a.
$0
loans.com.au
Smart Loan Fixed (Package)
3.99% p.a.
fixed 3 years
4.31% p.a.
$520
Virgin Money
Reward Me Fixed Rate Home Loan
3.87% p.a.
fixed 3 years
4.02% p.a.
$150
Queensland Country Credit Union
Ultimate Fixed Home Loan (Package)
n/a
n/a
$0
Newcastle Permanent
Fixed Rate Home Loan
3.94% p.a.
fixed 3 years
4.81% p.a.
$0
