Home Loans
Start your home adventure with the right guides, calculators and experts. Whether it's a new home, investment or a fresh start we're with you at every step.
What kind of home loan are you looking for?
Basic variable rate home loan
Our variable Basic home loan rate with unlimited extra repayments, minus the ongoing fees.
Variable home loan with offset
Our Standard variable rate home loan, with unlimited extra repayments, no associated break costs, and an optional offset account.
Fixed rate home loan
Lock in the interest rate for a set term on all or part of your loan amount for peace of mind.
Save a bundle when you package
- Our customers save around $9k in interest, in the first year alone ‡
- Plus: $0 ongoing home loan fees
- Plus: savings on your credit card and more
- All for a $395 annual package fee #.
Based on a $400k packaged variable home loan. Eligibility criteria, T&Cs apply.
Use our home loan selector to match with the right options
Book some time with one of our home loan specialists or start your application online
Start your application online
Apply online for conditional approval or a new home loan.
- You could get approval in 1 business day
- Dedicated lender will support you from application to settlement.
Book an appointment
A member of our team will be in touch at a time that suits you.
- They'll answer your questions and guide you through your next steps
- A lender can start your application for you.
Keep exploring
Book an appointment
A member of our team will be in touch.
Talk with us
1300 304 660
Or call/swing by
your nearest branch
Important information
Conditions, credit criteria, fees and charges apply. Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 110KB)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
Fixed rate home loan: BankSA will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.
^^Basic Home Loan Promotional Principal and Interest Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
*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.
** Eligibility conditions apply. BankSA Home Loan customers who wish to apply for these special relief measures or need assistance should contact BankSA Assist on 1800 679 461 or speak with their Relationship Manager. Mobile Westpac Group Support teams will also be available in bushfire affected towns and regions.
***Rate Lock: BankSA will apply the fixed rate available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.
+LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s 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 won’t change during the life of the loan as the LVR changes.
#Advantage Package: Terms & Conditions (PDF 434KB) apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. Before deciding to acquire a BankSA transaction account, read the terms & conditions, and consider if the product is right for you.
‡Package Savings: This is an estimate of potential savings; actual savings may differ depending on your situation. Estimated savings amount calculated on a $400,000 home loan receiving 2.31% p.a. discount on a packaged Standard Variable Rate owner occupier home loan compared to an unpackaged Standard Variable Rate home loan. Advantage Package Conditions of Use $395 annual package fee applies.