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Home loan interest rates

Fixed Rate Home Loan - Owner Occupier

Term Annual rate   Comparison rate1
Principal & Interest
1 year fixed 3.14% p.a. 4.94% p.a.
2 year fixed 3.14% p.a. 4.78% p.a.
3 year fixed 3.14% p.a. 4.64% p.a.
4 year fixed 3.14% p.a. 4.50% p.a.
5 year fixed 3.14% p.a. 4.38% p.a.
Interest only
1 year fixed 4.04% p.a. 5.56% p.a.
2 year fixed 3.94% p.a. 5.40% p.a.
3 year fixed 3.94% p.a. 5.27% p.a.
4 year fixed 4.24% p.a. 5.25% p.a.
5 year fixed 4.24% p.a. 5.16% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package*

Get a 0.15% p.a. discount on  Advantage Package* for balances above $150,000 (included in the below rates)

Term Annual rate Comparison rate1
Principal & Interest
1 year standard fixed rate less package discount 2.99% p.a. 4.00% p.a.
2 year standard fixed rate less package discount 2.99% p.a. 3.94% p.a.
3 year standard fixed rate less package discount 2.99% p.a. 3.89% p.a.
4 year standard fixed rate less package discount 2.99% p.a. 3.84% p.a.
5 year standard fixed rate less package discount 2.99% p.a. 3.80% p.a.
Interest Only
1 year standard fixed rate less package discount 3.89% p.a. 4.60% p.a.
2 year standard fixed rate less package discount 3.79% p.a. 4.55% p.a.
3 year standard fixed rate less package discount 3.79% p.a. 4.52% p.a.
4 year standard fixed rate less package discount 4.09% p.a. 4.59% p.a.
5 year standard fixed rate less package discount 4.09% p.a. 4.58% p.a.


Standard Variable Rate  - Owner Occupier

Loan Standard Variable Rate   Comparison rate1
Principal & Interest 4.95% p.a. 5.12% p.a.
Interest only
5.54% p.a. 5.71% p.a.

Standard Variable Rate  - Owner Occupier with Advantage Package*

Get 1.31% p.a. discount on Advantage Package* for balances above $100,000 (included in the below rates)

 

Loan Annual Rate Comparison rate1
Principal & Interest 3.64% p.a. 4.06% p.a.
Interest only 4.23% p.a. 4.63% p.a.


Basic Home Loan
 - Owner Occupier  

Loan Annual Rate   Comparison rate1
Principal & Interest

Basic Home Loan Promotional Discounted Rate

Special offer^^^

Rate includes 1.13% p.a. off the Basic Home Loan Rate

3.24% p.a. 3.26% p.a.
Basic Home Loan Rate 4.37% p.a. 4.42% p.a.
Interest only
Basic Home Loan Rate 4.96% p.a. 5.01% p.a.


Relocation Home Loan
  - Owner Occupier

Term Annual Rate   Comparison rate1
Interest only
With end loan 5.54% p.a. 5.71% p.a.
Without end loan 5.54% p.a. 5.76% p.a.

Fixed Rate Home Loan - Residential Investment

Term Annual rate   Comparison rate1
Principal & Interest
1 year fixed 3.84% p.a. 5.52% p.a.
2 year fixed 3.74% p.a. 5.35% p.a.
3 year fixed 3.84% p.a. 5.23% p.a.
4 year fixed 4.04% p.a. 5.17% p.a.
5 year fixed 4.04% p.a. 5.07% p.a.
Interest only
1 year fixed 4.14% p.a. 5.81% p.a.
2 year fixed 4.04% p.a. 5.64% p.a.
3 year fixed 4.04% p.a. 5.49% p.a.
4 year fixed 4.14% p.a. 5.39% p.a.
5 year fixed 4.14% p.a. 5.27% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package*

Get a 0.15% p.a. discount on  Advantage Package* for balances above $150,000 (included in the below rates)

Term Annual Rate Comparison rate1
Principal & Interest
1 year standard fixed rate less package discount 3.69% p.a. 4.56% p.a.
2 year standard fixed rate less package discount 3.59% p.a. 4.50% p.a.
3 year standard fixed rate less package discount 3.69% p.a. 4.48% p.a.
4 year standard fixed rate less package discount 3.89% p.a. 4.51% p.a.
5 year standard fixed rate less package discount 3.89% p.a. 4.48% p.a.
Interest only
1 year standard fixed rate less package discount 3.99% p.a. 4.85% p.a.
2 year standard fixed rate less package discount 3.89% p.a. 4.79% p.a.
3 year standard fixed rate less package discount 3.89% p.a. 4.74% p.a.
4 year standard fixed rate less package discount 3.99% p.a. 4.72% p.a.
5 year standard fixed rate less package discount 3.99% p.a. 4.69% p.a.


Standard Variable Rate  - Residential Investment

Loan Standard Variable Rate   Comparison rate1
Principal & Interest 5.52% p.a. 5.69% p.a.
Interest only
5.81% p.a. 5.97% p.a.

Standard Variable Rate  - Residential Investment with Advantage Package*

Get 1.31% p.a. discount on Advantage Package* balances above $100,000 (included in the below rates)

 
Loan Annual Rate Comparison rate1
Principal & Interest 4.21% p.a. 4.61% p.a.
Interest only 4.50% p.a. 4.90% p.a.


Basic Home Loan - Residential Investment 

Loan Annual rate Comparison rate1
Principal & Interest
   

Basic Home Loan Promotional Discounted Rate

Special offer^^

Rate includes 1.1% p.a. off the Basic Home Loan Rate

3.84% p.a. 3.85% p.a.
Basic Home Loan Rate 4.94% p.a. 4.99% p.a.
Interest only

Basic Home Loan Promotional Discounted Rate

Special offer^

Rate includes 0.8% p.a. off the Basic Home Loan Rate

4.43% p.a. 4.44% p.a.
Basic Home Loan Rate 5.23% p.a. 5.28% p.a.

 

Portfolio Loan - Residential Investment

Get an Advantage Package* discount on Balances $100,000+

Loan
Annual Rate
Standard Variable Rate 6.38% p.a.
Standard Variable Rate
with Advantage Package* discount of 1.31 % p.a. included in the annual rate.
5.07% p.a.


Portfolio Loan Fixed Rate sub-accounts

Get an Advantage Package* discount on Balances $150,000+

Term   Annual rate Annual rate including Advantage Package* Discount of 0.15% p.a.
Interest only
1 year fixed 4.14% p.a. 3.99% p.a.
2 year fixed 4.04% p.a. 3.89% p.a.
3 year fixed 4.04% p.a. 3.89% p.a.
4 year fixed 4.14% p.a. 3.99% p.a.
5 year fixed 4.14% p.a. 3.99% p.a.


Relocation Home Loan
  - Residential Investment (No longer available for sale)

Loan Annual rate Comparison rate1
Interest only
With end loan 5.81% p.a. 5.97% p.a.
Without end loan 5.81% p.a. 6.03% p.a.

Fixed Rate Home Loan - Owner Occupier

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan 

Term Annual rate   Comparison rate1
Principal & Interest
1 year fixed 3.14% p.a. 4.94% p.a.
2 year fixed 3.14% p.a. 4.78% p.a.
3 year fixed 3.14% p.a. 4.64% p.a.
4 year fixed 3.14% p.a. 4.50% p.a.
5 year fixed 3.14% p.a. 4.38% p.a.
Interest only
1 year fixed 4.04% p.a. 5.56% p.a.
2 year fixed 3.94% p.a. 5.40% p.a.
3 year fixed 3.94% p.a. 5.27% p.a.
4 year fixed 4.24% p.a. 5.25% p.a.
5 year fixed 4.24% p.a. 5.16% p.a.

Fixed Rate Home Loan - Residential Investment

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loans.

Term Annual rate   Comparison rate1
Principal & Interest
1 year fixed 3.84% p.a. 5.52% p.a.
2 year fixed 3.74% p.a. 5.35% p.a.
3 year fixed 3.84% p.a. 5.23% p.a.
4 year fixed 4.04% p.a. 5.17% p.a.
5 year fixed 4.04% p.a. 5.07% p.a.
Interest only
1 year fixed 4.14% p.a. 5.81% p.a.
2 year fixed 4.04% p.a. 5.64% p.a.
3 year fixed 4.04% p.a. 5.49% p.a.
4 year fixed 4.14% p.a. 5.39% p.a.
5 year fixed 4.14% p.a. 5.27% p.a.

Fixed Rate Home Loan - Owner Occupier with Advantage Package*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan under our Advantage Package* and include the 0.15% p.a. package discount.

Term Annual rate Comparison rate1
Principal & Interest
1 year standard fixed rate less package discount 2.99% p.a. 4.00% p.a.
2 year standard fixed rate less package discount 2.99% p.a. 3.94% p.a.
3 year standard fixed rate less package discount 2.99% p.a. 3.89% p.a.
4 year standard fixed rate less package discount 2.99% p.a. 3.84% p.a.
5 year standard fixed rate less package discount 2.99% p.a. 3.80% p.a.
Interest Only
1 year standard fixed rate less package discount 3.89% p.a. 4.60% p.a.
2 year standard fixed rate less package discount 3.79% p.a. 4.55% p.a.
3 year standard fixed rate less package discount 3.79% p.a. 4.52% p.a.
4 year standard fixed rate less package discount 4.09% p.a. 4.59% p.a.
5 year standard fixed rate less package discount 4.09% p.a. 4.58% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package*

Below are the Fixed Rate Home Loan interest rates available to fix or re-fix an existing loan under our Advantage package*and include the 0.15% p.a. package discount.

Term Annual rate   Comparison rate1
Principal & Interest
1 year standard fixed rate less package discount 3.69% p.a. 4.56% p.a.
2 year standard fixed rate less package discount 3.59% p.a. 4.50% p.a.
3 year standard fixed rate less package discount 3.69% p.a. 4.48% p.a.
4 year standard fixed rate less package discount 3.89% p.a. 4.51% p.a.
5 year standard fixed rate less package discount 3.89% p.a. 4.48% p.a.
Interest only
1 year standard fixed rate less package discount 3.99% p.a. 4.85% p.a.
2 year standard fixed rate less package discount 3.89% p.a. 4.79% p.a.
3 year standard fixed rate less package discount 3.89% p.a. 4.74% p.a.
4 year standard fixed rate less package discount 3.99% p.a. 4.72% p.a.
5 year standard fixed rate less package discount 3.99% p.a. 4.69% p.a.

Variable Loans Reference Rates2

The reference rate is your variable interest rate before any discounts. To find out your reference rate, please refer to your loan contract or contact us on 13 13 76.

  Annual Rate
Comparison rate1
Owner Occupier Standard Variable Rate 4.95% p.a. 5.12% p.a.
Owner Occupier Interest Only Standard Variable Rate 5.54% p.a. 5.71% p.a.
Residential Investment Standard Variable Rate 5.52% p.a. 5.69% p.a.
Residential Investment Interest Only Standard Variable Rate 5.81% p.a. 5.97% p.a.
Portfolio Loan Variable Rate 6.38% p.a. n/a
Owner Occupier Basic Rate 4.37% p.a. 4.42% p.a.
Owner Occupier Interest Only Basic Rate 4.96% p.a. 5.01% p.a.
Residential Investment Basic Rate 4.94% p.a. 4.99% p.a.
Residential Investment Interest Only Basic Rate 5.23% p.a. 5.28% p.a.

Portfolio Loan Fixed Rate sub-accounts

Get an Advantage Package* discount on Balances $150,000+

Term   Annual rate Annual rate including Advantage Package* Discount of 0.15% p.a.
Interest only
1 year fixed 4.14% p.a. 3.99% p.a.
2 year fixed 4.04% p.a. 3.89% p.a.
3 year fixed 4.04% p.a. 3.89% p.a.
4 year fixed 4.14% p.a. 3.99% p.a.
5 year fixed 4.14% p.a. 3.99% p.a.


Super Fund Home Loan
 β€“ Residential Investment

Loan type not available for applications after 30 July 2018

Term Annual rate Comparison rate1
Principal & Interest
Variable Rate 6.27% p.a. 6.52% p.a.
Fixed Rate
1 year fixed 5.99% p.a. 6.49% p.a.
2 year fixed 5.99% p.a. 6.46% p.a.
3 year fixed 6.09% p.a. 6.47% p.a.
4 year fixed 6.39% p.a. 6.56% p.a.
5 year fixed 6.39% p.a. 6.57% p.a.

The Detail

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.

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 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.

2 For sale products only

Advantage Package: Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transactional account.

^ 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.

^^^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 29 May 2019. 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.