Credit criteria, fees and charges apply. Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers.
Before making a decision, it’s best to read the terms and conditions:
Please read these documents and keep a copy. You can request a paper copy from a branch.
^ Excludes Business Umbrella, Super Fund, BSA 904 loans, Executive Housing Loans, No Deposit LEF. Excludes Portfolio Loans or investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make improvements to an investment property.
# Excludes loan applications for owner occupier purposes (where the owner owns the property in which they live or intend to live in).
* The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
$2,000 Refinance Cashback offer
+Credit criteria, fees and charges apply. Terms and conditions available at BankSA. $2,000 refinance cashback for new refinance applications received between 1 April 2020 to 29 May 2020 and settle by 31 July 2020. Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans. Offer current as at 1 April 2020. Offer may be varied or withdrawn at any time. $200k min loan per property refinanced. The $2,000 cashback is limited for the first application only, regardless of the number of customers, properties or applications involved. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. Applicants home loan repayments must be direct debited from this transaction account. Read the BankSA transaction account terms and conditions and consider if the product is right for you. Refer to banksa.com.au. The cashback will be paid into a BankSA transaction account within 60 days of settlement. The transaction account must be linked to the home loan at the time of settlement and kept open for 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. Before deciding to acquire a BankSA transaction account, read the terms and conditions, and consider if the product is right for you.
Basic Home Loan Promotional Rates
1. Basic Home Loan with Principal & Interest repayments: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 22 July 2019. Rate includes 1.23% p.a. discount for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be withdrawn at any time. Interest rates subject to change.
2. Basic Residential Investment Home Loan with Principal & Interest repayments: This offer is only available for new Residential Basic Home Loan applications with Principal and Interest repayments received from 9 September 2019. Rate includes 1.20% p.a. discount applied to our Residential Investment Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be withdrawn at any time. Interest rates subject to change (and margins may apply).
3. Basic Residential Investment Home Loan with Interest Only repayments: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 19 September 2018. Rate includes 1.24% p.a. discount for the life of the loan. This offer may be withdrawn at any time. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. Interest rates subject to change.