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Feel confident about the first step on your home loan journey.
Put your feet up and relax: here's some things you'll need to know. 

Home Guarantee Scheme

You could buy your home sooner, with a low deposit and no need to pay LMI.

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Your guide to home loan lingo

LMI and LVR? Home loan language can be confusing at the best of times – these short animations will help you get your head around it.

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Get answers to some of those popular questions on bidding at auction, guarantor loans and settlement timings.

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Purchase costs

Our stamp duty and lenders mortgage insurance calculator could help you estimate these property purchase costs.

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Do the numbers

Discover what you could borrow, and explore how your repayments choices affect your overall loan.

Buy with confidence

Research the neighbourhood – and whether you can afford to buy there – with our free online full Property Reports. 

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Help me choose

Use our home loan selector to match with the right options.

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Save time, apply online 

Apply online for a home loan, conditional approval or to switch to us.

  • 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.


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 55KB)

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.

+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 444KB) 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.