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BankSA home loans

Your guide to home loans from BankSA.

Richard Whitten
Richard Whitten

Last updated:

BankSA

Find everything you need to know about BankSA home loans on this page. Skip ahead to the full table of products or read more about BankSA home loans below.

Compare BankSA home loans

Compare BankSA home loans below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.

Rates last updated December 11th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
BankSA Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
BankSA Basic Home Loan - Promotional Rate (Owner Occupier, P&I)
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Online only cashback offer: Refinancers borrowing $200,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.
Go to site More info
BankSA Advantage Package Fixed Home Loan - 2 Year Fixed (Investor, P&I)
BankSA Advantage Package Fixed Home Loan - 2 Year Fixed (Investor, P&I)
3.23%
4.32%
$0
$395 p.a.
90%
Enquire now More info
BankSA Advantage Package Fixed Home Loan - 5 Year Fixed (Owner Occupier, P&I) LVR above 60% up to 80% New customers
BankSA Advantage Package Fixed Home Loan - 5 Year Fixed (Owner Occupier, P&I) LVR above 60% up to 80% New customers
2.89%
3.67%
$0
$395 p.a.
80%
Pay no application fee with this 5 year fixed package loan and borrow up to 80%. $2,000 cashback on eligible Advantage Package loans when borrowing $250,000 or more.
Enquire now More info

Compare up to 4 providers

BankSA lender profile

  • BankSA is South Australia's biggest provider of housing, personal finance and rural banking services.
  • Its range of personal banking products includes everything from accounts and credit cards to insurance and personal loans
  • BankSA offers several home loan products designed for a range of borrowers, whether you're a first-time buyer, an investor, renovating or looking to refinance an existing mortgage.

BankSA mortgage features

FeatureDetails
Deposit sizeYou can borrow up to 95% with many BankSA mortgages.
Offset accountSome BankSA mortgages come with a 100% offset account, depending on the product and your borrowing situation.
Redraw facilityMany home loans offered by BankSA for both investors and home buyers offer redraw facility.
Package offerThe BankSA Advantage Package home loan comes with various cashback offers depending on your home loan purpose (investing, home buying or refinancing)

How do I apply for an BankSA mortgage?

You can learn more about a specific BankSA mortgage by clicking through to that product's review page. Clicking "Go to Site" on a product will start your application process and redirect you through to the BankSA website.

Eligibility

Each BankSA product have specific eligibility criteria but some will apply to all products. These include:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with BankSA you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

More info
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

More info
Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

More info

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