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BankSA Standard Variable 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 90%

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 < 90%

    Loan: $10,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $10,000

Rate
4.55% p.a.
Comparison Rate
4.72% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.14% p.a.
Comparison Rate
5.31% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.12% p.a.
Comparison Rate
5.29% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.41% p.a.
Comparison Rate
5.58% p.a.
Service fee
$10.00 monthly
Upfront fee
$700

Details

Rates and fees information correct as at 31 October 2020. 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
  • 4.55% p.a.

  • n/a

  • n/a

  • n/a

  • 4.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 31 October 2020. 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
  • 5.14% p.a.

  • n/a

  • n/a

  • n/a

  • 5.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 31 October 2020. 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
  • 5.12% p.a.

  • n/a

  • n/a

  • n/a

  • 5.29% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 31 October 2020. 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
  • 5.41% p.a.

  • n/a

  • n/a

  • n/a

  • 5.58% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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
6.4/10
Customer service
7.2/10
Convenience
7.8/10
Trust
7.1/10

Latest reviews of BankSA Standard Variable Home Loan

  • Overall 10/10
    BankSA is fantastic!

    We switched to BankSA through a broker 4 years ago. The bank has been great to deal with since then, and we have started moving other products over to them. Would highly recommend BankSA.

    Read full review

    We switched to BankSA through a broker 4 years ago. The bank has been great to deal with since then, and we have started moving other products over to them. Would highly recommend BankSA.

    Price
    10/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Andrea, South Australia reviewed 12 months ago
  • Overall 8/10
    Good service

    Gave us a start to get a home loan many years ago when others would not. Have a feeling of allegiance to the bank as a result.

    Read full review

    Gave us a start to get a home loan many years ago when others would not. Have a feeling of allegiance to the bank as a result.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Melody, South Australia reviewed almost 3 years ago
  • Overall 5/10
    Reasonable terms and service

    Like all banks, it's easier to get a loan as opposed to finalising and paying out the loan once you can afford to do so.

    Read full review

    Like all banks, it's easier to get a loan as opposed to finalising and paying out the loan once you can afford to do so.

    Price
    6/10
    Features
    4/10
    Customer service
    4/10
    Convenience
    7/10
    Trust
    5/10
    Less
    Jeff, South Australia reviewed over 5 years ago
  • Overall 5/10
    There is no such thing as great customer service

    No communications at all from bank. Once in their clutches it seems that any "better" deals offered to all in general, don't apply to existing customers. They force you to seek out a better deal elsewhere & when then confronted with the fact that you will remortgage elsewhere are only then prepared to be competitive. I think this applies to all the major banks. They might say they care about their customers, its really a lie!

    Read full review

    No communications at all from bank. Once in their clutches it seems that any "better" deals offered to all in general, don't apply to existing customers. They force you to seek out a better deal elsewhere & when then confronted with the fact that you will remortgage elsewhere are only then prepared to be competitive. I think this applies to all the major banks. They might say they care about their customers, its really a lie!

    Price
    5/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    4/10
    Less
    Ian, South Australia reviewed over 5 years ago
  • Overall 10/10
    Great service, good deals

    I get great customer service at my local branch. They're always willing to tell me if there is a better option I should go with, and keep me up to date with all the latest deals on offer.

    Read full review

    I get great customer service at my local branch. They're always willing to tell me if there is a better option I should go with, and keep me up to date with all the latest deals on offer.

    Price
    7/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Denise, South Australia reviewed over 5 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

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n/a

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loans.com.au

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2.48% p.a.

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Athena

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AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

UBank

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UHomeLoan - Discount Offer

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2.32% p.a.

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Bank of Queensland

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2.67% p.a.

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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.