Tell us about yourself and see how much you could borrow (there’s no credit check until you’ve spoken with a lending manager).
A lending manager will call to answer all your questions and help move your application along.
We may be able to provide you conditional approval to help you confidently bid or make an offer knowing how much you could afford. Conditional approval is valid for 90 days, and if you need more time we can look to renew it.
We’ll value your property and make some final checks. If we offer you full loan approval, accept it online and be guided through to loan settlement.
For Owner Occupier (Principal & Interest) packaged# home loans, $395 annual package fee applies. If you’re an existing BankSA Home Loan customer, find out how to manage your home loan.
1 year fixed rate
2 year fixed rate
3 year fixed rate
4 year fixed rate
5 year fixed rate
T&C's apply. See comparison rate warning.
$3,000 Refinance Cashback per primary applicant for applications received between 1st December 2021 - 28th February 2022 and settled by 31st May 2022. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.
The cashback will be paid into a BankSA transaction account within 60 days of settlement. The transaction account must be in the same name as the home loan account and linked to the home loan at the time of settlement. This account must be kept open for 60 days after settlement.
For the $3,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.
Conditions, fees and credit criteria apply.
Based on BankSA 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 at a branch.
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. Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.
*Comparison Rate: 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 example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
#Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a BankSA transaction account, read the terms and conditions, and consider if the product is right for you.
+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.