Service lead times
We'll work with you to improve our assessment times, ensuring prompt home loan processing for your clients.
Current processing times
Processing times for first touch*
Full Application | Accredited | Gold | Flame |
---|---|---|---|
PAYG Standard | 2 days | 2 days | 1 day |
PAYG Specialised | 3 days | 3 days | 1 day |
Australian Government 5% Deposit Scheme | 5 days | 5 days | 1 day |
Self-employed | 4 days | 4 days | 1 day |
Individual as Trust | 6 days | 6 days | 1 day |
Escalations | up to 4 hours | ||
Approval In Principle | Accredited | Gold | Flame |
PAYG | 3 days | 3 days | 1 day |
Self-employed AIPs | 4 days | 4 days | 1 day |
Definitions
Standard | PAYG, <=$3M, Fast Track, LMI, >80% LVR |
Specialised | Australian Government 5% Deposit Scheme, Individual Trustees, Multiple Entities, =>$3m, Construction, Guarantors, Relocation Loans |
Self-employed | Self-employed (Full Assessment) |
* In by 4.30pm ACST. Service times are based on the application being lodged correctly with all supporting mandated documents required by BankSA. The days shown in the table above are business days.
Applications submitted under the Australian Government 5% Deposit Scheme may require up to one additional business day for processing compared to PAYG Specialised applications. This is in addition to the current service level agreement.
Important information
This information is a guideline for expected assessment time at the date of publication and may vary depending on various environmental changes.
Ensure your application is error-free to get your application processed faster.
BankSA works tirelessly to deliver the service levels you expect. While we’re prioritising these queues, we’ll endeavour to keep you updated as our service levels change.
We apologise for any inconvenience and would like to thank you for your continued support and understanding.
Credit policies and scenarios hotline
Call 1300 137 532 (select option 1, then option 5) for support with credit scenario questions.
Operating hours: Monday to Friday 8am - 6pm (ACST) or 8:30am - 6:30pm (AEST)
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Forms and Resources
Use our forms and resources to help you submit an error-free application.
Important information
Conditions, credit criteria, fees and charges apply. Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 110KB)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.