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Apply for a home loan


Start your journey online


Learn how much you could borrow, without knowing the loan type

Receive indicative approval in under 10 minutes

A home loan expert will call to talk you through your options 

Advantage Package
Advantage Package1 could offer you discounts for the life of your loan

 Receive a discount on your eligible home loan interest rate and nil transaction fees on your linked Complete Freedom account (Annual fee of $3952 applies)

  Advantage Package also offers access to discounts available when you take up selected credit cards, insurance and wealth products

Standard Variable Rate Loan 

Get a competitive variable interest rate without being locked in for a set term

Great features including full interest offset and redraw

Flexible repayment options.

Fixed Rate Home Loan

Lock in a fixed interest rate for 1-5 years

On investment loans, choose to pay interest in advance and get 0.2% p.a. off the fixed interest rate for the interest in advance period3

Portfolio Loan
Diversify and manage your investment through a Portfolio Loan 

Use separate sub-accounts for investment and lifestyle needs

A Bank of Melbourne home loan expert will contact you at your preferred time

Basic Home Loan

A basic, no frills home loan with a low variable interest rate

$0 monthly establishment fee special offer for a limited time4

$0 monthly service fee

Flexible repayment options.

Talk to us

Important information

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 13 76.

* Credit criteria fees and charges apply. Terms and conditions are available on request. This offer is available for applications received from 1 July 2013 for a limited time only on applications received under the Advantage Package. Offer is not available for loan refinances of existing St.George, BankSA, and Bank of Melbourne home loans.

1. Discounts on products apply at time of application when you tell us you’re an Advantage Package customer.

2. Advantage Package Conditions of Use and Terms and Conditions apply and are available at Annual fee, currently $395, applies. 

3. A discount of 0.20% p.a. will apply only if the interest in advance amount is deducted from a BankSA transaction account.

The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The Rate Lock fee is 0.15%p.a. of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2mil. For loans above $2mil, the Rate Lock fee is 0.15%p.a. of the loan amount. After fixed period, rate reverts to applicable Standard Variable Rate. Excludes internal switches and portfolio Loans.

4. Upfront fees and other fees and charges may apply. This offer is only available for new Basic Home Loan applications received from 25 February 2014. This is a current offer which may be withdrawn at any time. If you apply after the end of this offer the interest rate which will apply is the standard Basic Variable Rate without any discount. This offer does not apply to internal refinances and is not transferable between loans, and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.