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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 or Low Doc 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.

Great benefits for customers in selected professions.

BankSA has specialist industry loans for your professional clients, giving you more ways for you to grow your business. There are strict lending guidelines under our specialist industry policies, but approved customers will enjoy benefits like:

  • Up to a maximum LVR of 90% may be approved without the need to obtain mortgage insurance
  • Evidence of 5% genuine savings is not required when mortgage insurance is not required – other proof of income required
For seniors wanting to access the equity in their property to use the funds to renovate, buy a new car or to simply live more comfortably.

Seniors can sometimes be ‘asset rich and income poor’ and the Seniors Access Home Loan is designed to assist people 63 years and over who own their home outright and would like the option to tap into their equity for everyday living or for extras such as a renovation, a holiday or a new car.

This “reverse mortgage” is secured against their owner occupied property and no regular repayments are required as long as the borrowers live in the home. They can make voluntary repayments towards the loan at any time or defer payment of the loan until the property is sold, all borrowers die, or if borrowers are no longer living in the house.

The Seniors Access loan allows seniors to borrow from $10,000 to $250,000 against the equity in their home.  It is not suitable for customers wishing to lease/rent their property or customers that have boarders.

For customers using a Self-Managed Super Fund to purchase a residential investment property.

If your customer has a Self-Managed Super Fund (SMSF) or is planning on establishing one, they may be able to borrow up to $2,000,000 to purchase a residential investment property through their authorised Australian SMSF using the Super Fund Home Loan.

The Super Fund Home Loan gives customers a chance to accelerate wealth accumulation, improve returns and possibly minimise tax. The loan structure includes an SMSF Trustee and a Security Custodian (a limited liability company).

Strict guidelines relate to the Super Fund Home Loan. 

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: