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For customers wanting to complete major renovations or build a new home.

With Building Loans, your customers are able to draw down funds in stages as their home is being built. Interest is payable only on the amount drawn down under the loan. We can help by working with you and your customer to establish a schedule of progress payments and assist by identifying building expenses, so payments are made to the builder after each stage of the building has been inspected and verified.

Building Loans are available as a Standard Variable Home Loan.

For customers wanting a way for a family member to go guarantor on part of their home loan by using equity in the family home as a guarantee, without them actually providing the cash for a deposit.

Family Pledge allows parents and other family members to use their own home's equity to provide additional security for a portion of your customer’s loan amount. This solution is particularly useful for first home buyers as it reduces the loan to value ratio and can also save them a significant amount of money by reducing or even avoiding the need to pay Lender's Mortgage Insurance.

The BankSA Family Pledge product allows the guarantee to be limited to a specific amount, which helps provide certainty and allows the property to be released earlier than guarantees which cover 100% of the loan amount.

Family Pledge is a great product that allows your customers to choose the home loan option that suits them best.

For customer who are Emergency Services front-line permanent employees.

The Emergency Services Policy has now been expanded to include all overtime and allowances assessed at 100% of non-base income excluding bonus (conditions apply). Eligible applicants include:

-        Active duty fire officers
-        Fire fighters
-        Police officers
-        Ambulance officers
-        Ambulance paramedics
-        Hospital employed doctors and nurses
-        Surgeons
-        Specialist

For medical professional eligible for the Medico Sector Policy.

Lenders Mortgage Insurance waivers on new Owner Occupier (OO) and Investor (IPL) home loans for certain qualifying medical professionals which are eligible for the Medico Sector Policy. Medico lending up to 90% LVR with no LMI. Max $5m per individual property ($7.5m total lending). 1-year Self-Employed income. Conditions Apply. Eligible applicants include:

-        General Practitioners
-        Dentists
-        Hospital-employed Doctors; (e.g. Intern, Resident, Registrar, Staff Specialist)
-        Medical Specialists
-        Optometrists
-        Pharmacists
-        Veterinary Practitioners

Important information

The information on our website is prepared without knowing your customers personal financial circumstances. Before you act on this, please consider if it’s right for your customer. If you need help, call 1300 137 532.

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions: