BankSA Home Loans Comparison & Reviews | Finder

BankSA home loans

Your guide to home loans from BankSA.


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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.

Data updated regularly
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
BankSA Advantage Package Fixed Home Loan
$395 p.a.
Up to $4,000 refinance cashback.
Fix to a low rate for two years and forget about rate rises. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).
BankSA Basic Home Loan
$0 p.a.
Up to $4,000 refinance cashback
A competitive variable rate loan from BankSA. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).
BankSA Advantage Package Fixed Home Loan
$395 p.a.
Up to $4,000 refinance cashback.
Investing in property? Fix for two years and forget about rate rises. Available with a 10% deposit. Refinancers borrowing $200,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).

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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 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.


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

Looking for more mortgage options?

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