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Important information

The information on our mortgage calculator is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you.

Things you should know:

# Higher minimum deposit will be required in some areas. 5% genuine savings required. Loans subject to credit criteria. Where the loan to valuation ratio is 80% or above, lenders mortgage insurance will be required for a fee. Other fees, charges and purchase costs apply. Terms and Conditions available upon application. (Additional funds required for transaction and establishment costs).

1. Interest rate is subject to change.

2. 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.

*This calculation is not an offer of credit but an estimate only of what you may be able to borrow based on the information provided and does not include all applicable fees (except for monthly fees). Your borrowing power amount may be different when you complete a full application and we capture all details relevant to our lending criteria. Our lending criteria and basis upon which we assess what you can afford may change at any time without notice. Before acting on this calculation you should seek professional advice.

All interest rates referred to in the calculators are current. The interest rates represented on this page are BankSA Owner Occupier interest rates, do not include any promotional discounts and are subject to change. When assessing ability to service a loan, BankSA may use an interest rate that is higher than the current interest rate for the loan requested.

The calculator does not take into account any future refinancing options which may be available.

The calculator does not take into account any grants or any applicable bank fees. For details on fees and charges, please go to