BankSA Fixed Home Loan

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 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

4.14% p.a.

5.19% p.a.

$10.00 monthly

BankSA Fixed Home Loan

4.14% p.a.

5.19% p.a.

$10.00 monthly

4.74% p.a.

5.77% p.a.

$10.00 monthly

BankSA Fixed Home Loan

4.74% p.a.

5.77% p.a.

$10.00 monthly

4.44% p.a.

5.67% p.a.

$10.00 monthly

BankSA Fixed Home Loan

4.44% p.a.

5.67% p.a.

$10.00 monthly

4.69% p.a.

6.12% p.a.

$10.00 monthly

BankSA Fixed Home Loan

4.69% p.a.

6.12% p.a.

$10.00 monthly

Details

Rates and fees information correct as at 17 November 2018. 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
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.24% (5.41%*)

  • 4.04% (5.27%*)

  • 4.14% (5.19%*)

  • 4.54% (5.23%*)

  • 4.54% (5.18%*)

  • (*)

  • (*)

  • 5.35% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • none

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • 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 17 November 2018. 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
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.74% (5.98%*)

  • 4.64% (5.85%*)

  • 4.74% (5.77%*)

  • 5.14% (5.82%*)

  • 5.24% (5.80%*)

  • (*)

  • (*)

  • 5.94% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • none

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $10,000 p.a.

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • 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 17 November 2018. 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
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.64% (5.95%*)

  • 4.34% (5.78%*)

  • 4.44% (5.67%*)

  • 5.04% (5.77%*)

  • 5.04% (5.71%*)

  • (*)

  • (*)

  • 5.92% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • none

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • 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 17 November 2018. 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
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.84% (6.46%*)

  • 4.60% (6.26%*)

  • 4.69% (6.12%*)

  • 5.34% (6.22%*)

  • 5.34% (6.14%*)

  • (*)

  • (*)

  • 6.46% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • none

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $10,000 p.a.

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • 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 customer rating
7.1/10
Price
6.7/10
Features
6.4/10
Customer service
7.2/10
Convenience
7.8/10
Trust
7.1/10

Latest reviews of BankSA Fixed Home Loan

  • 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...

    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

    Geoffrey | South Australia

    reviewed almost 5 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...

    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

    Name not supplied | South Australia

    reviewed about 5 years ago

  • Overall
    5/10
    Great rates

    Dislike being penalised for making additional payments.

    Dislike being penalised for making additional payments.

    Price
    10/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    9/10
    Trust
    4/10

    Sue | South Australia

    reviewed over 5 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...

    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

    Michael | South Australia

    reviewed over 6 years ago

  • Overall
    10/10
    'Advantage' all the way

    "Advantage' is the key. Extra rate cut and awesome flexibility.

    "Advantage' is the key. Extra rate cut and awesome flexibility.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Natalie | Northern Territory

    reviewed over 6 years ago

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

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a. variable

3.69% p.a.

$0

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$600

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a. variable

4.12% p.a.

$0

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a. variable

3.59% p.a.

$567

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.82% p.a.

4.22% p.a.

$0

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$600

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.99% p.a.
fixed 3 years

4.82% p.a.

$0

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

Promoted

Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

Promoted

Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

Promoted

bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

*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.