BankSA home loans
Your guide to home loans from BankSA.
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Competitive BankSA rates for...
- Home buyers. The BankSA Basic Home Loan - Owner Occupier, P&I has a 2.54% p.a. interest rate and lets you borrow up to 80%.
- Investors. The BankSA Advantage Package Fixed Home Loan - 3 Year Fixed (Investor, P&I) has a 2.69% p.a. interest rate and lets you borrow up to 90%.
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.
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
|Deposit size||You can borrow up to 95% with many BankSA mortgages.|
|Offset account||Some BankSA mortgages come with a 100% offset account, depending on the product and your borrowing situation.|
|Redraw facility||Many home loans offered by BankSA for both investors and home buyers offer redraw facility.|
|Package offer||The 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.
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.
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).
Looking for more mortgage options?
More guides on Finder
BankSA Relocation Loan
Bridging finance is one way to buy a property while waiting for your current home to sell, but it can be expensive.
BankSA Basic Home Loan
The Basic Home Loan can be used by owner occupiers or investors buying a property or vacant land.
BankSA Portfolio Loan
Extract equity capital from your home in order to invest in a business, shares, investment properties and more with BankSA Portfolio Loan.
BankSA Standard Variable Rate Home Loan
Features of the BankSA Standard Variable Rate Home Loan.
BankSA Fixed Rate Home Loan
The Bank SA Fixed Rate Home Loan is specifically designed for homeowners and investors for properties and vacant land.
BankSA Advantage Package Fixed Home Loan
A review of the BankSA Advantage Package Fixed home loan. Compare and apply.
Home Loan OffersImportant Information*
Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.
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