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BankSA home loans

Your guide to home loans from 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 August 26th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
2.99%
3.80%
$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.
2.99%
3.84%
$0
$395 p.a.
80%
Lock in a competitive fixed rate for 4 years and pay no application fee with this package loan. $2,000 cashback on eligible Advantage Package loans when borrowing $250,000 or more.
2.99%
3.89%
$0
$395 p.a.
80%
With this competitive package home loan you can fix your rate for three years. $2,000 cashback on eligible Advantage Package loans when borrowing $250,000 or more.

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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

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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