Home loan interest rates

Owner Occupier


Standard Variable Rate  - Owner Occupier

Balances Standard Variable Rate   Comparison rate1
Principal & Interest
All balances 5.21% p.a. 5.38% p.a.
Interest only
All balances
 5.80% p.a. 5.96% p.a.

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

 

Balances Advantage Package* Limited Time Special Discount# Standard Variable Rate with Advantage Package* Limited Time Special Discount# Comparison rate1
Principal & Interest  
$150,000 - $249,999 0.60% p.a. 4.61% p.a. 5.00% p.a.
$250,000 - $499,999 0.80% p.a. 4.41% p.a. 4.81% p.a.
$500,000 - $749,999 0.85% p.a. 4.36% p.a. 4.76% p.a.
$750,000+ 0.90% p.a. 4.31% p.a. 4.71% p.a.
Interest only  
$150,000 - $249,999 0.60% p.a. 5.20% p.a. 5.58% p.a.
$250,000 - $499,999 0.80% p.a. 5.00% p.a. 5.39% p.a.
$500,000 - $749,999 0.85% p.a. 4.95% p.a. 5.34% p.a.
$750,000 + 0.90% p.a. 4.90% p.a. 5.29% p.a.

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

 

Balances Standard Advantage Package* Discount Standard Variable Rate with Advantage Package* Comparison rate1
Principal & Interest
$100,000 - $149,999 0.25% p.a. 4.96% p.a. 5.35% p.a.
$150,000 - $249,999 0.50% p.a. 4.71% p.a. 5.10% p.a.
$250,000 - $499,999 0.70% p.a. 4.51% p.a. 4.91% p.a.
$500,000 - $749,999 0.70% p.a. 4.51% p.a. 4.91% p.a.
$750,000 - $999,999 0.70% p.a. 4.51% p.a. 4.91% p.a.
$1 Million + 0.70% p.a. 4.51% p.a. 4.91% p.a.
Interest only
$100,000 - $149,999 0.25% p.a. 5.55% p.a. 5.93% p.a.
$150,000 - $249,999 0.50% p.a. 5.30% p.a. 5.68% p.a.
$250,000 - $499,999 0.70% p.a. 5.10% p.a. 5.49% p.a.
$500,000 - $749,999 0.70% p.a. 5.10% p.a. 5.49% p.a.
$750,000 - $999,999 0.70% p.a. 5.10% p.a. 5.49% p.a.
$1 Million + 0.70% p.a. 5.10% p.a. 5.49% p.a.

Fixed Rate Home Loan - Owner Occupier

Promotional Offer for new Advantage Package loans from 5 June 2018

Term Annual rate   Comparison rate1 (secured loan) Advantage Package* promotional offer discount^^ Fixed Rate with Advantage Package* with promotional offer discount^^ Comparison rate1
Principal & Interest
Promotional 2 year fixed
(new loans only)		 4.04% p.a. 5.16% p.a. 0.19% p.a. 3.85% p.a. 4.94% p.a.
Promotional 3 year fixed
(new loans only)		 4.14% p.a. 5.09% p.a. 0.29% p.a. 3.85% p.a. 4.87% p.a.
Term Annual rate   Comparison rate1 (secured loan) Advantage Package* Discount Fixed Rate with Advantage Package* Comparison rate1
Principal & Interest
1 year fixed 4.24% p.a. 5.28% p.a. 0.15% p.a. 4.09% p.a. 5.04% p.a.
2 year fixed 4.04% p.a. 5.16% p.a. 0.15% p.a. 3.89% p.a. 4.95% p.a.
3 year fixed 4.14% p.a. 5.09% p.a. 0.15% p.a. 3.99% p.a. 4.91% p.a.
4 year fixed 4.54% p.a. 5.14% p.a. 0.15% p.a. 4.39% p.a. 4.99% p.a.
5 year fixed 4.54% p.a. 5.10% p.a. 0.15% p.a. 4.39% p.a. 4.97% p.a.
Interest only
1 year fixed 4.74% p.a. 5.86% p.a. 0.15% p.a. 4.59% p.a. 5.61% p.a.
2 year fixed 4.64% p.a. 5.74% p.a. 0.15% p.a. 4.49% p.a. 5.53% p.a.
3 year fixed 4.74% p.a. 5.67% p.a. 0.15% p.a. 4.59% p.a. 5.49% p.a.
4 year fixed 5.14% p.a. 5.73% p.a. 0.15% p.a. 4.99% p.a. 5.57% p.a.
5 year fixed 5.24% p.a. 5.72% p.a. 0.15% p.a. 5.09% p.a. 5.59% p.a.


Basic Home Loan - Owner Occupier  

Term Annual Rate   Comparison rate1
Principal & Interest

Basic Home Loan Promotional Discounted Rate

Special limited time offer^

Rate includes 0.99% p.a. off the Basic Home Loan Rate

 3.64% p.a. 3.65% p.a.
Basic Home Loan Rate 4.63% p.a. 4.68% p.a.
Interest only
Basic Home Loan Rate 5.22% p.a. 5.27% p.a.


Relocation Home Loan  - Owner Occupier

Term Annual Rate   Comparison rate1
Interest only
With end loan 5.80% p.a. 5.96% p.a.
Without end loan 5.80% p.a. 6.02% p.a.
Residential Investment


Standard Variable Rate  - Residential Investment

Balances Standard Variable Rate   Comparison rate1
Principal & Interest
All balances 5.78% p.a. 5.94% p.a.
Interest only
All balances
 6.32% p.a. 6.48% p.a.

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

 

Balances Advantage Package* Limited Time Special Discount# Standard Variable Rate  with Advantage Package* Limited Time Special Discount# Comparison rate1
Principal & Interest
$150,000 - $249,999 0.60% p.a. 5.18% p.a. 5.56% p.a.
$250,000 - $499,999 0.80% p.a. 4.98% p.a. 5.37% p.a.
$500,000 - $749,999 0.85% p.a. 4.93% p.a. 5.32% p.a.
$750,000+ 0.90% p.a. 4.88% p.a. 5.27% p.a.
Interest only
$150,000 - $249,999 0.60% p.a. 5.72% p.a. 6.09% p.a.
$250,000 - $499,999 0.80% p.a. 5.52% p.a. 5.90% p.a.
$500,000 - $749,999 0.85% p.a. 5.47% p.a. 5.85% p.a.
$750,000+ 0.90% p.a. 5.42% p.a. 5.80% p.a.

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

 

Balances Standard Advantage Package* Discount Standard Variable Rate with Advantage Package* Comparison rate1
Principal & Interest
$100,000 - $149,999 0.25% p.a. 5.53% p.a. 5.91% p.a.
$150,000 - $249,999 0.50% p.a. 5.28% p.a. 5.66% p.a.
$250,000 - $499,999 0.70% p.a. 5.08% p.a. 5.47% p.a.
$500,000 - $749,999 0.70% p.a. 5.08% p.a. 5.47% p.a.
$750,000 - $999,999 0.70% p.a. 5.08% p.a. 5.47% p.a.
$1 Million + 0.70% p.a. 5.08% p.a. 5.47% p.a.
Interest only
$100,000 - $149,999 0.25% p.a. 6.07% p.a. 6.44% p.a.
$150,000 - $249,999 0.50% p.a. 5.82% p.a. 6.19% p.a.
$250,000 - $499,999 0.70% p.a. 5.62% p.a. 6.00% p.a.
$500,000 - $749,999 0.70% p.a. 5.62% p.a. 6.00% p.a.
$750,000 - $999,999 0.70% p.a. 5.62% p.a. 6.00% p.a.
$1 Million + 0.70% p.a. 5.62% p.a. 6.00% p.a.

Fixed Rate Home Loan - Residential Investment

Promotional Offer for new Advantage Package loans from 5 June 2018

Term Annual rate   Comparison rate1 (secured loan) Advantage Package* promotional offer discount^^ Fixed Rate with Advantage Package Package* with promotional offer discount^^ Comparison rate1
Principal & Interest
Promotional 2 year fixed (new loans only) 4.34% p.a. 5.67% p.a. 0.35% p.a. 3.99% p.a. 5.42% p.a.
Promotional 3 year fixed (new loans only) 4.44% p.a. 5.58% p.a. 0.25% p.a. 4.19% p.a. 5.37% p.a.
Promotional 5 year fixed (new loans only) 5.04% p.a. 5.63% p.a. 0.45% p.a. 4.59% p.a. 5.37% p.a.
Interest only
Promotional 1 year fixed (new loans only) 4.84% p.a. 6.33% p.a. 0.45% p.a. 4.39% p.a. 6.05% p.a.
Promotional 2 year fixed (new loans only) 4.60% p.a. 6.15% p.a. 0.31% p.a. 4.29% p.a. 5.90% p.a.
Promotional 5 year fixed (new loans only) 5.34% p.a. 6.06% p.a. 0.45% p.a. 4.89% p.a. 5.80% p.a.
Term Annual rate   Comparison rate1 (secured loan) Advantage Package* Discount Fixed Rate with Advantage Package* Comparison rate1
Principal & Interest
1 year fixed 4.64% p.a. 5.83% p.a. 0.15% p.a. 4.49% p.a. 5.58% p.a.
2 year fixed 4.34% p.a. 5.67% p.a. 0.15% p.a. 4.19% p.a. 5.46% p.a.
3 year fixed 4.44% p.a. 5.58% p.a. 0.15% p.a. 4.29% p.a. 5.39% p.a.
4 year fixed 5.04% p.a. 5.68% p.a. 0.15% p.a. 4.89% p.a. 5.53% p.a.
5 year fixed 5.04% p.a. 5.63% p.a. 0.15% p.a. 4.89% p.a. 5.50% p.a.
Interest only
1 year fixed 4.84% p.a. 6.33% p.a. 0.15% p.a. 4.69% p.a. 6.08% p.a.
2 year fixed 4.60% p.a. 6.15% p.a. 0.15% p.a. 4.45% p.a. 5.93% p.a.
3 year fixed 4.69% p.a. 6.03% p.a. 0.15% p.a. 4.54% p.a. 5.84% p.a.
4 year fixed 5.34% p.a. 6.13% p.a. 0.15% p.a. 5.19% p.a. 5.97% p.a.
5 year fixed 5.34% p.a. 6.06% p.a. 0.15% p.a. 5.19% p.a. 5.92% p.a.


Basic Home Loan - Residential Investment 

Term Annual rate Comparison rate1
Principal & Interest
    

Basic Home Loan Promotional Discounted Rate

Special limited time offer^

Rate includes 1.01% p.a. off the Basic Home Loan Rate

 4.19% p.a. 4.20% p.a.
Basic Home Loan Rate 5.20% p.a. 5.25% p.a.
Interest only

Basic Home Loan Promotional Discounted Rate

Special limited time offer^

Rate includes 0.85% p.a. off the Basic Home Loan Rate

 4.89% p.a. 4.90% p.a.
Basic Home Loan Rate 5.74% p.a. 5.79% p.a.


Portfolio Loan - Residential Investment

Balances
Variable rate
All balances   6.44% p.a.

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

 

Balances Advantage Package* Limited Time Special Discount# Standard Variable Rate with Advantage Package* Limited Time Special Discount#
Interest only
    
$150,000 - $249,999 0.60% p.a. 5.84% p.a.
$250,000 - $499,999 0.80% p.a. 5.64% p.a.
$500,000 - $749,999 0.85% p.a. 5.59% p.a.
$750,000+ 0.90% p.a. 5.54% p.a.

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

 

Balances Standard Advantage Package* Discount Variable Rate with standard Advantage Package* Discount
Interest only    
$100,000 - $149,999 0.10% p.a. 6.19% p.a.
$150,000 - $249,999 0.50% p.a. 5.94% p.a.
$250,000 - $499,999 0.70% p.a. 5.74% p.a.
$500,000 - $749,999 0.70% p.a. 5.74% p.a.
$750,000 - $999,999 0.70% p.a. 5.74% p.a.
$1 Million + 0.70% p.a. 5.74% p.a.

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


Portfolio Loan Fixed Rate sub-accounts

Promotional Offer for new Advantage Package loans from 5 June 2018

Term Annual rate   Comparison rate1 (secured loan) Advantage Package* promotional offer discount^^ Fixed Rate with Advantage Package* with promotional offer discount^^ Comparison rate1
Interest only
Promotional 1 year fixed (new loans only) 4.84% p.a. n/a 0.45% p.a. 4.39% p.a. n/a
Promotional 2 year fixed (new loans only) 4.60% p.a. n/a 0.31% p.a. 4.29% p.a. n/a
Promotional 5 year fixed (new loans only) 5.34% p.a. n/a 0.45% p.a. 4.89% p.a. n/a
Term   Annual rate Advantage Package* Discount Fixed Rate with Advantage Package*
Interest only      
1 year fixed 4.84% p.a. 0.15% p.a. 4.69% p.a.
2 year fixed 4.60% p.a. 0.15% p.a. 4.45% p.a.
3 year fixed 4.69% p.a. 0.15% p.a. 4.54% p.a.
4 year fixed 5.34% p.a. 0.15% p.a. 5.19% p.a.
5 year fixed 5.34% p.a. 0.15% p.a. 5.19% p.a.


Relocation Home Loan  - Residential Investment

Term Annual rate Comparison rate1
Interest only
With end loan 6.32% p.a. 6.48% p.a.
Without end loan 6.32% p.a. 6.54% p.a.


Super Fund Home Loan – Residential Investment
Term Annual rate Comparison rate1
Principal & Interest
Variable Rate 6.53% p.a. 6.78% p.a.
Fixed Rate
1 year fixed 5.99% p.a. 6.72% p.a.
2 year fixed 5.99% p.a. 6.67% p.a.
3 year fixed 6.09% p.a. 6.65% p.a.
4 year fixed 6.39% p.a. 6.73% p.a.
5 year fixed 6.39% p.a. 6.72% p.a.
Interest only
Variable Rate 7.07% p.a. 7.32% p.a.
Fixed Rate
1 year fixed 6.44% p.a. 7.25% p.a.
2 year fixed 6.44% p.a. 7.19% p.a.
3 year fixed 6.54% p.a. 7.16% p.a.
4 year fixed 6.84% p.a. 7.23% p.a.
5 year fixed 6.84% p.a. 7.22% p.a.
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The Detail

Conditions, fees and credit criteria apply:

View the terms and conditions:

Please read these documents 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. If you need help, call 13 13 76.

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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type.

* Advantage Package: Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible BankSA transactional account.

^^The offer is available for new loans submitted from 5 June 2018 and may be varied or withdrawn at any time. The total discount rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package. Excludes internal refinance and switches within Westpac, St. George, Bank of Melbourne, BankSA and RAMS. The Bank will apply the fixed rate that is available at the loan settlement date. $395 annual package fee. Min loan $100k.

# Limited time special discounts: These special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate Advantage Package Home Loans. These are current offers and may be withdrawn at any time. These special interest rate discounts are instead of, and cannot be taken in addition to the standard Advantage Package discounts. If you apply after the end of this offer the standard Advantage Package discounts which will apply are available at https://www.banksa.com.au/personal/home-loans/our-home-loans/advantage-package.

^ Basic Home Loan Promotional Rate:
This offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 1 December 2017. Interest rates subject to change (and margins may apply). Refer to banksa.com.au/personal/home-loans or call us for more information on current offers available. Excludes internal refinances and switches within St.George Banking Group.

## Rates current as at 19 September 2016 and subject to change. Excludes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. Refer to banksa.com.au/personal/home-loans or call us on 13 13 76 for more information on current offers available.

There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.

BankSA- A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).