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Our featured home loan rates


Fixed Rate Home Loan

For Owner Occupier (Principal & Interest) packaged* home loans, $395 annual package fee applies. 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
1.89% p.a.
2 year fixed rate
3.43% p.a.
Comparison rate1
2.08% p.a.
3 year fixed rate
3.37% p.a.
Comparison rate1
2.59% p.a.
4 year fixed rate
3.45% p.a.
Comparison rate1
2.89% p.a.
5 year fixed rate
3.52% 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.

Calculate borrowing power

Home Loan Repayment Calculator

See how much you may need to pay back each week or month.

Calculate repayments

Stamp Duty and LMI calculator

Work out how much you could pay in stamp duty and other fees.

Calculate stamp duty

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.

Explore more

Compare home loans

See at a glance how fees, features and loan purposes differ by product.

Compare our home loans

Compare interest rates

View and compare all of our current home loan interest rates.

Compare interest rates

Understanding the home loan process

Borrowing power calculator

Estimate how much you could borrow by entering your income and expenses

Calculate borrowing power

Save on your home loan

There are some great ways to save on your home loan.

Find out more

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

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:

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.