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 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

Less

Juliska (SA), reviewed 11 months 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

Less

Andrew (SA), reviewed over 1 year 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 1 year 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

Less

Annette (SA), reviewed almost 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 almost 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 almost 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

Less

Natalie (SA), reviewed almost 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 almost 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

Less

Samantha (SA), reviewed about 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 about 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 about 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 about 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

Less

Vicki (SA), reviewed over 2 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 over 2 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 over 2 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 over 2 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 over 2 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

Less

Ian (SA), reviewed over 2 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

Less

Denise (SA), reviewed over 2 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

Less

Wendy (SA), reviewed over 2 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

Less

Fiona (SA), reviewed over 2 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

Less

Paul (SA), reviewed over 2 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 2 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 2 years ago

BankSA

BankSA Portfolio Loan home loan review

Overall rating   7 / 10

Helpful and trustworthy.

Lender always extremely helpful and willing to answer questions. Convenient after hours appointments.

Full review

Lender always extremely helpful and willing to answer questions. Convenient after hours appointments.

    Price   5 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Gail (SA), reviewed over 2 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 Homebuyer Special (Owner Occupier, Principal & Interest)

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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: $1,000,000
    • 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians 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)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • 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

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 527 home loans in the Mozo comparison engine.

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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