Home loan interest rates
How to apply
Credit criteria, fees and charges apply. Based on BankSA credit criteria, residential lending is not available for Non-Australian Resident borrowers. There may be tax consequences arising from promotions for investors and customers should seek independent taxation advice on any taxation matters.
Please read the terms and conditions 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.
- Residential Loan Agreement – General Terms and Conditions
- Portfolio Loan Agreement - General Terms and Conditions
- Loan Accounts – Charges for specific services and accounts
- Advantage Package Terms and Conditions
Fixed Rates: The Bank 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.
1 The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the example(s) 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: Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transactional account.
# Special discounts:
The special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate taken as part of an Advantage Package Home Loan. The current offers may be varied or withdrawn at any time. The special interest rate discounts are inclusive of the standard Advantage package discount. If you apply after the end of this offer the standard Advantage Package discounts will apply.
^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 19 September 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.
^^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 7 November 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.