Home Loan Interest rates
View our latest interest rates for a range of BankSA home loans to suit your needs. Compare our variable and fixed interest rates for owner occupiers and investors.
Our featured home loan rates
Fixed Rate Home Loan
For Owner Occupier (Principal & Interest) Advantage Package Home Loans*, $395 annual package fee applies. Available for new loans as well as existing variable rate home loan customers looking to fix all or part of their loans. If you’re an existing BankSA Home Loan customer, find out how to manage your home loan.
| 2.09% p.a. 1 year fixed rate |
3.56% p.a. Comparison rate1 |
| 1.99% p.a. 2 year fixed rate |
3.44% p.a. Comparison rate1 |
| 2.08% p.a. 3 year fixed rate |
3.37% p.a. Comparison rate1 |
| 2.29% p.a. 4 year fixed rate |
3.35% p.a. Comparison rate1 |
| 2.59% p.a. 5 year fixed rate |
3.41% p.a. Comparison rate1 |
T&C's apply. See comparison rate warning.
What to look for when choosing a rate and home loan
Getting the most from your home loan is easy when you understand how to use the features of your mortgage to your advantage. Read more
Home loan calculators
Mortgage Calculator
Find out how much you may be able to borrow and the potential costs involved in buying a home.
Home Loan Repayment Calculator
See how much you may need to pay back each week or month.
Stamp Duty and LMI calculator
Work out how much you could pay in stamp duty and other fees.
Tools to help you research
Property market research
Discover what you need to know about the property trends in your suburbs or the estimated value of a property you’re looking to buy.
Compare home loans
See at a glance how fees, features and loan purposes differ by product.
Compare interest rates
View and compare all of our current home loan interest rates.
Understanding the home loan process
Borrowing power calculator
Estimate how much you could borrow by entering your income and expenses
Save on your home loan
There are some great ways to save on your home loan.
Start your application online
A home loan expert will call you once you have submitted your application to talk through next steps.
Important information
Conditions, fees and credit criteria apply. Based on BankSA’s 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:
- Residential Loan Agreement – General Terms and Conditions (PDF 1MB)
- Portfolio Loan Agreement - General Terms and Conditions (PDF 194KB)
- Loan Accounts – Charges for specific services and accounts (PDF 105KB)
- Advantage Package - Terms and Conditions (PDF 336KB)
Please read these documents and keep a copy. You can request a paper copy at a branch.
Fixed rate home loan: 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.
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.
1 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.