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BankSA Fixed Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $10,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $10,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $10,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $10,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $10,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $10,000

Fixed 3 year rate
2.24% p.a.
Comparison Rate
4.12% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Fixed 3 year rate
3.84% p.a.
Comparison Rate
4.96% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.63% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Fixed 3 year rate
2.84% p.a.
Comparison Rate
4.89% p.a.
Service fee
$10.00 monthly
Upfront fee
$700

Details

Rates and fees information correct as at 16 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.24% (4.50%*)

  • 2.24% (4.30%*)

  • 2.24% (4.12%*)

  • 2.14% (3.92%*)

  • 2.44% (3.87%*)

  • n/a

  • n/a

  • 4.55% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

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.

Details

Rates and fees information correct as at 16 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.84% (5.18%*)

  • 3.84% (5.06%*)

  • 3.84% (4.96%*)

  • 4.24% (5.00%*)

  • 4.24% (4.93%*)

  • n/a

  • n/a

  • 5.14% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $30,000

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

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.

Details

Rates and fees information correct as at 16 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.74% (5.06%*)

  • 2.64% (4.83%*)

  • 2.64% (4.63%*)

  • 2.94% (4.55%*)

  • 2.94% (4.40%*)

  • n/a

  • n/a

  • 5.12% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

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.

Details

Rates and fees information correct as at 16 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.94% (5.33%*)

  • 2.84% (5.10%*)

  • 2.84% (4.89%*)

  • 3.14% (4.80%*)

  • 3.14% (4.64%*)

  • n/a

  • n/a

  • 5.41% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $30,000

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

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.

Customer Reviews

How are BankSA home loans rated by the Mozo community?

Overall
7.2/10
Price
6.8/10
Features
6.5/10
Customer service
7.3/10
Convenience
7.8/10
Trust
7.2/10

Latest reviews of BankSA Fixed Home Loan

  • Overall 8/10
    So far so good.

    Good.

    Price
    5/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Candice, South Australia reviewed about 1 year ago
  • Overall 3/10
    Be very careful.

    We found that a lot of the very fine print was hidden in the back of the booklet & not told to us at all. Example: annual fees on a so-called Fee Free loan. Calls at all times of the day & night regarding your loan accounts - even when you tell them not to call you during certain times. Overseas call centres: when you tell them you can't understand them, they hang up on you.

    Read full review

    We found that a lot of the very fine print was hidden in the back of the booklet & not told to us at all. Example: annual fees on a so-called Fee Free loan. Calls at all times of the day & night regarding your loan accounts - even when you tell them not to call you during certain times. Overseas call centres: when you tell them you can't understand them, they hang up on you.

    Price
    4/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    6/10
    Trust
    2/10
    Less
    Geoffrey, South Australia reviewed about 7 years ago
  • Overall 7/10
    Mixed "like a box of chocolates"!

    Mixed opinions overall better than average, initial mobile lender turns out to be in a world of his own , referred to him by an exceptionally astute and on the ball woman working as a teller (West Lakes Branch). By the time my loan was approved this female employee had been moved to,on memory commercial lending. Having encountered some financial difficulties the hardship dept. was brilliant, helpful, patient and very clear. What was really painful was the mastercard forwarded to me by the initial mobile lender,should have just cut it up before I racked up 10k, constant phone calls from an Indian call center dragged the overall rating well down, initial contact with teller and hardship dept. dragged them to back over the 1/2 way mark.

    Read full review

    Mixed opinions overall better than average, initial mobile lender turns out to be in a world of his own , referred to him by an exceptionally astute and on the ball woman working as a teller (West Lakes Branch). By the time my loan was approved this female employee had been moved to,on memory commercial lending. Having encountered some financial difficulties the hardship dept. was brilliant, helpful, patient and very clear. What was really painful was the mastercard forwarded to me by the initial mobile lender,should have just cut it up before I racked up 10k, constant phone calls from an Indian call center dragged the overall rating well down, initial contact with teller and hardship dept. dragged them to back over the 1/2 way mark.

    Price
    7/10
    Features
    7/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    7/10
    Less
    Mozo community reviewer, South Australia reviewed over 7 years ago
  • Overall 5/10
    Great rates

    Dislike being penalised for making additional payments.

    Read full review

    Dislike being penalised for making additional payments.

    Price
    10/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    9/10
    Trust
    4/10
    Less
    Sue, South Australia reviewed almost 8 years ago
  • Overall 7/10
    Exceptional customer focus and Integrity

    I have been a Banksa customer for approx 8 or 9 years. I feel like a valued customer everytime I call as their customer focus is exceptional. Not once have I been "blind transferred" when calling through. Everytime I visit a branch I am treated with the dignity and respect I deserve for being such a long term customer.

    Read full review

    I have been a Banksa customer for approx 8 or 9 years. I feel like a valued customer everytime I call as their customer focus is exceptional. Not once have I been "blind transferred" when calling through. Everytime I visit a branch I am treated with the dignity and respect I deserve for being such a long term customer.

    Price
    7/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Michael, South Australia reviewed over 8 years ago
Thumbnail icon for BankSA

About BankSA

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.

See BankSA home loans

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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.