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Our home loans

We have homes loans for a number of circumstances ranging from standard home loans to loans for the self-employed

  • Portfolio Loan

    • Portfolio Loan is a flexible line of mortgage credit that combines your personal and investment finances into one home loan
    • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.
    More info Enquire Now

  • Basic Home Loan

    • A basic, no frills home loan with a low variable interest rate
    • $0 monthly service fee
    • Flexible repayment options.
    More info Enquire Now

  • Great Start Home Loan

    • Ideal for first home owners or new BankSA home loan customers
    • Get a discounted rate – your choice of fixed or variable – for the first 12 months.
    More info Enquire Now

  • Low Doc Home Loan

    • Ideal for self-employed people or business owners who don’t have the required proof of income to apply for a standard home loan
    • Choose a Fixed Rate, a Variable Rate or a combination of both for your Low Doc Home Loan.
    More info Enquire Now

  • Low Doc Portfolio

    • Low Doc Portfolio Loan is a flexible line of credit that combines your personal and investment finances into one loan
    • Ideal for self-employed people or business owners who don’t have the required proof of income to apply for a standard home loan.
    More info Enquire Now

  • Relocation Loan

    • A Relocation Home Loan removes the stress of timing the sale of your existing property with the purchase of your new property
    • Use a Relocation Loan to pay for the deposit on the new property and then borrow the balance at settlement, plus additional expenses like stamp duty and removalist costs.
    More info Enquire Now

  • Seniors Access Home Loan

    • Only available to homeowners who are at least 63 years of age. Seniors Access Home Loan is a Reverse Mortgage home loan that allows you to borrow against the equity you have in your home while you continue to live in it.
    • You can apply to borrow from $10,000 to $250,000 depending on the age of all applicants, your property’s value (which BankSA will determine) and its location.
    More info Enquire Now

  • Super Fund Home Loan

    • Suitable for those who already have a Self Managed Super Fund (SMSF) or are planning to establish a SMSF
    • Use a SMSF to borrow and invest in real estate that is residential investment property – this may be a strategy to diversify your investment portfolio and accelerate wealth creation.
    More info Enquire Now

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How to apply

1Advantage Package annual fee of $395 applies, other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.
2A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.