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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $10,000 | |
| | Owner Occupier | Interest Only | < 80% | $10,000 | |
| | Investor | Principal & Interest | < 95% | $10,000 | |
| | Investor | Interest Only | < 80% | $10,000 |
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
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.
$600.00
$0.00
$0.00
$100.00
none
$10.00 monthly
$350.00
$10,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - fees apply
$0.00
yes
yes - partial only
none
none
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.
$600.00
$0.00
$0.00
$100.00
none
$10.00 monthly
$350.00
$10,000
none
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - fees apply
$0.00
yes
yes - partial only
none
none
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.
$600.00
$0.00
$0.00
$100.00
none
$10.00 monthly
$350.00
$10,000
none
none
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a.
yes
yes - fees apply
$0.00
yes
yes - partial only
none
none
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.
$600.00
$0.00
$0.00
$100.00
none
$10.00 monthly
$350.00
$10,000
none
none
80.00%
Monthly
yes - free up to $10,000 p.a.
yes
yes - fees apply
$0.00
yes
yes - partial only
none
none
We found that a lot of the very fine print was hidden in the back of the booklet & not told to us...
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.
Less
Geoffrey | South Australia
reviewed about 5 years ago
Mixed opinions overall better than average, initial mobile lender turns out to be in a world of...
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.
Less
Name not supplied | South Australia
reviewed over 5 years ago
Dislike being penalised for making additional payments.
Read full review
Dislike being penalised for making additional payments.
Less
Sue | South Australia
reviewed almost 6 years ago
I have been a Banksa customer for approx 8 or 9 years. I feel like a valued customer everytime I...
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.
Less
Michael | South Australia
reviewed over 6 years ago
"Advantage' is the key. Extra rate cut and awesome flexibility.
Read full review
"Advantage' is the key. Extra rate cut and awesome flexibility.
Less
Natalie | Northern Territory
reviewed over 6 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.
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