BankSA home loan reviews

BankSA
BankSA's overall rating for home loans

(as rated by the Mozo community)

7.2 / 10

based on 70 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from BankSA

Recent BankSA home loan reviews

BankSA

BankSA Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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.

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 (SA), reviewed 8 months ago

BankSA

BankSA Fixed Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   4 / 10

I was told they have great customer service

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.

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.

    Price   0 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Juliska (SA), reviewed over 1 year ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   8 / 10

Good customer service

Good customer service and very easy to set-up. Online monitoring of account very useful.

Full review

Good customer service and very easy to set-up. Online monitoring of account very useful.

    Price   7 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Andrew (SA), reviewed over 2 years ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   10 / 10

Great advantages, low fees

We never looked back with this offset loan. Paid our house off and investment property very quickly. Would recommend to anyone.

Full review

We never looked back with this offset loan. Paid our house off and investment property very quickly. Would recommend to anyone.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Heather (SA), reviewed over 2 years ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   7 / 10

Fantastic

We initially had a building loan and switched to this the only negative is they didn't state that the annual fee would be deducted from my account

Full review

We initially had a building loan and switched to this the only negative is they didn't state that the annual fee would be deducted from my account

    Price   6 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Annette (SA), reviewed over 2 years ago

BankSA

BankSA Fixed Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   10 / 10

Great online services

Great customer service and easy to use online banking!

Full review

Great customer service and easy to use online banking!

    Price   8 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Monique (SA), reviewed over 2 years ago

BankSA

BankSA home loan review

Overall rating   6 / 10

Competitive rates, great service.

Really good rates and good customer service.

Full review

Really good rates and good customer service.

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Sam (SA), reviewed over 2 years ago

BankSA

BankSA Fixed Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   6 / 10

I'm going to switch my home loan to another bank.

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...

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.

    Price   5 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Natalie (SA), reviewed over 2 years ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   9 / 10

Very happy

Happy

Full review

Happy

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Donna (NT), reviewed over 2 years ago

BankSA

BankSA home loan review

Overall rating   9 / 10

Brillant customer service

They are a great bank and we have a local branch in the next town, the only down fall is that a lot of the country branches are closing

Full review

They are a great bank and we have a local branch in the next town, the only down fall is that a lot of the country branches are closing

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Samantha (SA), reviewed over 2 years ago

BankSA

BankSA Portfolio Loan (Advantage Package) home loan review

Overall rating   9 / 10

Good product. Competitive rates.

Banked since I was a child. Convenient. Competitive

Full review

Banked since I was a child. Convenient. Competitive

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Neil (SA), reviewed over 2 years ago

BankSA

BankSA Basic Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Good quality loan and service.

They had the cheapest option when we were looking for a home loan, best rates and minimal fees for everything including withdrawals etc.

Full review

They had the cheapest option when we were looking for a home loan, best rates and minimal fees for everything including withdrawals etc.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Sarah (SA), reviewed over 2 years ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   8 / 10

Competitive rates and provide extra discount.

They have always looked after us and provide added benefits where they can.

Full review

They have always looked after us and provide added benefits where they can.

    Price   9 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Vanessa (SA), reviewed over 2 years ago

BankSA

BankSA Portfolio Loan home loan review

Overall rating   10 / 10

Just lovely people to deal with and great product

I have always found Bank SA staff to be highly efficient and approachable. As an existing customer, I am able to arrange finance over the phone with documentation couriered to my office or home.

Full review

I have always found Bank SA staff to be highly efficient and approachable. As an existing customer, I am able to arrange finance over the phone with documentation couriered to my office or home.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Vicki (SA), reviewed about 3 years ago

BankSA

BankSA Variable Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   4 / 10

Very average

Not flexible at all.

Full review

Not flexible at all.

    Price   4 / 10

    Features   5 / 10

    Customer service   1 / 10

    Convenience   2 / 10

    Trust   6 / 10

Less

Michelle (SA), reviewed about 3 years ago

BankSA

BankSA Basic Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Friendly, helpful staff

Friendly, helpful staff.

Full review

Friendly, helpful staff.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Cheryl (SA), reviewed about 3 years ago

BankSA

BankSA home loan review

Overall rating   5 / 10

Poor management

Charges are excessive.

Full review

Charges are excessive.

    Price   2 / 10

    Features   2 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

John (SA), reviewed about 3 years ago

BankSA

BankSA Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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.

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 (SA), reviewed about 3 years ago

BankSA

BankSA Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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...

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

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Ian (SA), reviewed about 3 years ago

BankSA

BankSA Standard Variable Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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.

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

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Denise (SA), reviewed about 3 years ago

BankSA

BankSA Basic Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Great Customer Service

They have always been helpful and very understanding when my health was not good and had to be out of work for 8 months and during that time was in hospital for 8 weeks. I could not complain about their service it was exceptional.

Full review

They have always been helpful and very understanding when my health was not good and had to be out of work for 8 months and during that time was in hospital for 8 weeks. I could not complain about their service it was exceptional.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Wendy (SA), reviewed about 3 years ago

BankSA

BankSA Portfolio Loan home loan review

Overall rating   9 / 10

Always helpful and very competitive

I have banked with this institution since I was in primary school. I trust the name and always go to them whenever I need financial assistance. The portfolio loan has enabled us to build an extension on our home as well as allowing us to help our...

Full review

I have banked with this institution since I was in primary school. I trust the name and always go to them whenever I need financial assistance. The portfolio loan has enabled us to build an extension on our home as well as allowing us to help our two children with any financial issues they have. It gives us a sense of freedom and security knowing that there are no new establishment fees if we want to take a large sum out for renovations etc. the portfolio loan certainly simplifies our life. As we are retired it also allows us to travel without worrying that we will run out of funds. Love it!

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Fiona (SA), reviewed about 3 years ago

BankSA

BankSA Basic Home Loan Special Offer (Owner Occupier, Principal & Interest) home loan review

Overall rating   9 / 10

Very good

Bank SA is the best bank. For customer service, products, and rates.

Full review

Bank SA is the best bank. For customer service, products, and rates.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Paul (SA), reviewed over 3 years ago

BankSA

BankSA home loan review

Overall rating   8 / 10

No worse than any other

Happy long standing customers.

Full review

Happy long standing customers.

    Price   8 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Lisa (SA), reviewed over 3 years ago

BankSA

BankSA Fixed Home Loan (Owner Occupier, Principal & Interest) (Advantage Package) home loan review

Overall rating   10 / 10

Great online service

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.

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.

    Price   10 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   3 / 10

    Trust   8 / 10

Less

Amy (SA), reviewed over 3 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • Aussie Select Basic Variable (LVR<80%, Owner Occupier, Principal & Interest)

    Aussie Select Basic Variable (LVR<80%, Owner Occupier, Principal & Interest)

    • A competitive rate available with no ongoing fees
    • Minimum of 5% deposit required for owner-occupied loans (conditions apply)
    • Reduce interest by making additional payments. Access your extra funds via a redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.70% p.a.

    upfront fees

    $330

    Go to site

    More info

    • A competitive rate available with no ongoing fees
    • Minimum of 5% deposit required for owner-occupied loans (conditions apply)
    • Reduce interest by making additional payments. Access your extra funds via a redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.70% p.a.
    • Upfront fees: $330
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Overall rating

    7.0

    Based on 52 Aussie home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 864 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018

    interest rate

    3.72% p.a. variable

    comparison rate*

    4.12% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Interest rate of 3.64% p.a. variable & a comparison rate* of 4.03% p.a.
    • Owner Occupier, Principal & Interest
    • Experts Choice - Australia's Best Customer-Owned Banking & Home Lender of the Year 2018
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 4.12% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

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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.

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