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Home loan interest rates
Fixed Rate Home Loan - Owner Occupier
| Term | Annual rate | Comparison rate1 | |||
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 2.44% p.a. | 4.52% p.a. | |||
| 2 year fixed | 2.44% p.a. | 4.34% p.a. | |||
| 3 year fixed | 2.44% p.a. | 4.17% p.a. | |||
| 4 year fixed | 2.94% p.a. | 4.18% p.a. | |||
| 5 year fixed | 2.94% p.a. | 4.07% p.a. | |||
| Interest only | |||||
| 1 year fixed | 4.04% p.a. | 5.20% p.a. | |||
| 2 year fixed | 3.94% p.a. | 5.08% p.a. | |||
| 3 year fixed | 3.94% p.a. | 4.98% p.a. | |||
| 4 year fixed | 4.24% p.a. | 5.00% p.a. | |||
| 5 year fixed | 4.24% p.a. | 4.93% 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 | 2.29% p.a. | 3.58% p.a. |
| 2 year standard fixed rate less package discount | 2.29% p.a. | 3.50% p.a. |
| 3 year standard fixed rate less package discount | 2.29% p.a. | 3.43% p.a. |
| 4 year standard fixed rate less package discount | 2.79% p.a. | 3.52% p.a. |
| 5 year standard fixed rate less package discount | 2.79% p.a. | 3.49% p.a. |
| Interest Only | ||
| 1 year standard fixed rate less package discount | 3.89% p.a. | 4.25% p.a. |
| 2 year standard fixed rate less package discount | 3.79% p.a. | 4.23% p.a. |
| 3 year standard fixed rate less package discount | 3.79% p.a. | 4.23% p.a. |
| 4 year standard fixed rate less package discount | 4.09% p.a. | 4.33% p.a. |
| 5 year standard fixed rate less package discount | 4.09% p.a. | 4.35% p.a. |
Standard Variable Rate - Owner Occupier
| Loan | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | 4.55% p.a. | 4.72% p.a. |
| Interest only |
5.14% p.a. | 5.31% 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 | 3.24% p.a. | 3.67% p.a. |
| Interest only | 3.83% p.a. | 4.24% p.a. |
Basic Home Loan - Owner Occupier
| Loan | Annual Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
Basic Home Loan Promotional Discounted Rate Special offer^ Rate includes 1.23% p.a. off the Basic Home Loan Rate |
2.74% p.a. | 2.76% p.a. |
| Basic Home Loan Rate | 3.97% p.a. | 4.02% p.a. |
| Interest only | ||
| Basic Home Loan Rate | 4.56% p.a. | 4.61% p.a. |
Relocation Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Interest only | ||
| With end loan | 5.14% p.a. | 5.31% p.a. |
| Without end loan | 5.14% p.a. | 5.36% p.a. |
Fixed Rate Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 | |||
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 3.14% p.a. | 5.10% p.a. | |||
| 2 year fixed | 2.94% p.a. | 4.88% p.a. | |||
| 3 year fixed | 2.94% p.a. | 4.71% p.a. | |||
| 4 year fixed | 3.44% p.a. | 4.71% p.a. | |||
| 5 year fixed | 3.44% p.a. | 4.60% p.a. | |||
| Interest only | |||||
| 1 year fixed | 3.34% p.a. | 5.37% p.a. | |||
| 2 year fixed | 3.14% p.a. | 5.15% p.a. | |||
| 3 year fixed | 3.14% p.a. | 4.97% p.a. | |||
| 4 year fixed | 3.64% p.a. | 4.96% p.a. | |||
| 5 year fixed | 3.64% p.a. | 4.84% 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 | 2.99% p.a. | 4.15% p.a. | |||
| 2 year standard fixed rate less package discount | 2.79% p.a. | 4.04% p.a. | |||
| 3 year standard fixed rate less package discount | 2.79% p.a. | 3.96% p.a. | |||
| 4 year standard fixed rate less package discount | 3.29% p.a. | 4.05% p.a. | |||
| 5 year standard fixed rate less package discount | 3.29% p.a. | 4.01% p.a. | |||
| Interest only | |||||
| 1 year standard fixed rate less package discount | 3.19% p.a. | 4.42% p.a. | |||
| 2 year standard fixed rate less package discount | 2.99% p.a. | 4.31% p.a. | |||
| 3 year standard fixed rate less package discount | 2.99% p.a. | 4.22% p.a. | |||
| 4 year standard fixed rate less package discount | 3.49% p.a. | 4.30% p.a. | |||
| 5 year standard fixed rate less package discount | 3.49% p.a. | 4.26% p.a. | |||
Standard Variable Rate - Residential Investment
| Loan | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | 5.12% p.a. | 5.29% p.a. |
| Interest only |
5.41% p.a. | 5.58% 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 | 3.81% p.a. | 4.22% p.a. |
| Interest only | 4.10% p.a. | 4.51% p.a. |
Basic Home Loan - Residential Investment
| Loan | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest |
||
Basic Home Loan Promotional Discounted Rate Special offer^^ Rate includes 1.20% p.a. off the Basic Home Loan Rate |
3.34% p.a. | 3.36% p.a. |
| Basic Home Loan Rate | 4.54% p.a. | 4.59% p.a. |
| Interest only | ||
Basic Home Loan Promotional Discounted Rate Special offer^^^ Rate includes 1.24% p.a. off the Basic Home Loan Rate |
3.59% p.a. | 3.61% p.a. |
| Basic Home Loan Rate | 4.83% p.a. | 4.88% p.a. |
Portfolio Loan - Residential Investment
Get an Advantage Package* discount on Balances $100,000+
| Loan |
Annual Rate |
|---|---|
| Standard Variable Rate | 5.98% p.a. |
| Standard Variable Rate with Advantage Package* discount of 1.31 % p.a. included in the annual rate. |
4.67% 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 | 3.34% p.a. | 3.19% p.a. | |
| 2 year fixed | 3.14% p.a. | 2.99% p.a. | |
| 3 year fixed | 3.14% p.a. | 2.99% p.a. | |
| 4 year fixed | 3.64% p.a. | 3.49% p.a. | |
| 5 year fixed | 3.64% p.a. | 3.49% p.a. | |
Relocation Home Loan - Residential Investment (No longer available for sale)
| Loan | Annual rate | Comparison rate1 |
|---|---|---|
| Interest only |
||
| With end loan | 5.41% p.a. | 5.58% p.a. |
| Without end loan | 5.41% p.a. | 5.63% 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 | 2.44% p.a. | 4.52% p.a. | |||
| 2 year fixed | 2.44% p.a. | 4.34% p.a. | |||
| 3 year fixed | 2.44% p.a. | 4.17% p.a. | |||
| 4 year fixed | 2.94% p.a. | 4.18% p.a. | |||
| 5 year fixed | 2.94% p.a. | 4.07% p.a. | |||
| Interest only | |||||
| 1 year fixed | 4.04% p.a. | 5.20% p.a. | |||
| 2 year fixed | 3.94% p.a. | 5.08% p.a. | |||
| 3 year fixed | 3.94% p.a. | 4.98% p.a. | |||
| 4 year fixed | 4.24% p.a. | 5.00% p.a. | |||
| 5 year fixed | 4.24% p.a. | 4.93% 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 | 3.14% p.a. | 5.10% p.a. | |||
| 2 year fixed | 2.94% p.a. | 4.88% p.a. | |||
| 3 year fixed | 2.94% p.a. | 4.71% p.a. | |||
| 4 year fixed | 3.44% p.a. | 4.71% p.a. | |||
| 5 year fixed | 3.44% p.a. | 4.60% p.a. | |||
| Interest only | |||||
| 1 year fixed | 3.34% p.a. | 5.37% p.a. | |||
| 2 year fixed | 3.14% p.a. | 5.15% p.a. | |||
| 3 year fixed | 3.14% p.a. | 4.97% p.a. | |||
| 4 year fixed | 3.64% p.a. | 4.96% p.a. | |||
| 5 year fixed | 3.64% p.a. | 4.84% 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 | 2.29% p.a. | 3.58% p.a. |
| 2 year standard fixed rate less package discount | 2.29% p.a. | 3.50% p.a. |
| 3 year standard fixed rate less package discount | 2.29% p.a. | 3.43% p.a. |
| 4 year standard fixed rate less package discount | 2.79% p.a. | 3.52% p.a. |
| 5 year standard fixed rate less package discount | 2.79% p.a. | 3.49% p.a. |
| Interest Only | ||
| 1 year standard fixed rate less package discount | 3.89% p.a. | 4.25% p.a. |
| 2 year standard fixed rate less package discount | 3.79% p.a. | 4.23% p.a. |
| 3 year standard fixed rate less package discount | 3.79% p.a. | 4.23% p.a. |
| 4 year standard fixed rate less package discount | 4.09% p.a. | 4.33% p.a. |
| 5 year standard fixed rate less package discount | 4.09% p.a. | 4.35% 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 | 2.99% p.a. | 4.15% p.a. | |||
| 2 year standard fixed rate less package discount | 2.79% p.a. | 4.04% p.a. | |||
| 3 year standard fixed rate less package discount | 2.79% p.a. | 3.96% p.a. | |||
| 4 year standard fixed rate less package discount | 3.29% p.a. | 4.05% p.a. | |||
| 5 year standard fixed rate less package discount | 3.29% p.a. | 4.01% p.a. | |||
| Interest only | |||||
| 1 year standard fixed rate less package discount | 3.19% p.a. | 4.42% p.a. | |||
| 2 year standard fixed rate less package discount | 2.99% p.a. | 4.31% p.a. | |||
| 3 year standard fixed rate less package discount | 2.99% p.a. | 4.22% p.a. | |||
| 4 year standard fixed rate less package discount | 3.49% p.a. | 4.30% p.a. | |||
| 5 year standard fixed rate less package discount | 3.49% p.a. | 4.26% 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 | 4.55% p.a. | 4.72% p.a. |
| Owner Occupier Interest Only Standard Variable Rate | 5.14% p.a. | 5.31% p.a. |
| Residential Investment Standard Variable Rate | 5.12% p.a. | 5.29% p.a. |
| Residential Investment Interest Only Standard Variable Rate | 5.41% p.a. | 5.58% p.a. |
| Portfolio Loan Variable Rate | 5.98% p.a. | n/a |
| Owner Occupier Basic Rate | 3.97% p.a. | 4.02% p.a. |
| Owner Occupier Interest Only Basic Rate | 4.56% p.a. | 4.61% p.a. |
| Residential Investment Basic Rate | 4.54% p.a. | 4.59% p.a. |
| Residential Investment Interest Only Basic Rate | 4.83% p.a. | 4.88% 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 | 3.34% p.a. | 3.19% p.a. | |
| 2 year fixed | 3.14% p.a. | 2.99% p.a. | |
| 3 year fixed | 3.14% p.a. | 2.99% p.a. | |
| 4 year fixed | 3.64% p.a. | 3.49% p.a. | |
| 5 year fixed | 3.64% p.a. | 3.49% p.a. | |
|
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| Variable Rate | 5.87% p.a. | 6.12% p.a. |
| Fixed Rate | ||
| 1 year fixed | 5.99% p.a. | 6.13% p.a. |
| 2 year fixed | 5.99% p.a. | 6.14% p.a. |
| 3 year fixed | 6.09% p.a. | 6.18% p.a. |
| 4 year fixed | 6.39% p.a. | 6.31% p.a. |
| 5 year fixed | 6.39% p.a. | 6.35% 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.
- 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 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 Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 28 October 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.
^^ Basic Home Loan Promotional Rate:
This offer is only available for new Residential Basic Home Loan applications with Principal and Interest repayments received from 9 September 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.
^^^ Basic Home Loan Promotional Rate:
This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 9 September 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.