Home loan interest rates
Residential Investment Home Loans
This includes 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.
For our Residential Investment Home Loan interest rates with Interest Only repayments, please see Residential Investment (Interest Only) Home Loan Interest Rates.pdf.
For our Residential Investment Home Loan interest rates with Principal and Interest repayments, please see Residential Investment (Principal & Interest) Home Loan Interest Rates.pdf.
Owner Occupier## Home Loans
For our Owner Occupier Home Loan interest rates with Interest Only repayments, please see Owner Occupier (Interest Only) Home Loan Interest Rates.pdf.
For our Owner Occupier Home Loan interest rates with Principal and Interest repayments, please see interest rates below
Standard Variable Rate Home Loan - Principal & Interest Repayments
For our Owner Occupier Home Loan interest rates with Interest Only repayments, please see Owner Occupier (Interest Only) Home Loan Interest Rates.pdf.
| Balances | Standard Variable Rate for Owner Occupier - Principal & Interest | Comparison rate1 |
|---|---|---|
| All Balances | % p.a. | % p.a. |
|
Get an Advantage Package* special discount on Balances $150,000+ |
||
Get an Advantage Package* special discount on Balances $150,000+
| Balances | Advantage Package* Limited Time Special Discount# | Standard Variable Rate – Principal & Interest with Advantage Package* Limited Time Special Discount# | Comparison rate1 |
|---|---|---|---|
| $150,000 - $249,999 | % p.a. | % p.a. | % p.a. |
| $250,000 - $499,999 | % p.a. | % p.a. | % p.a. |
| $500,000 - $749,999 | % p.a. | % p.a. | % p.a. |
| $750,000+ | % p.a. | % p.a. | % p.a. |
Get an Advantage Package* discount on Balances $100,000+
| Balances | Standard Advantage Package* Discount | Standard Variable Rate - Principal & Interest with Advantage Package* | Comparison rate1 |
|---|---|---|---|
| $100,000 - $149,999 | % p.a. | % p.a. | % p.a. |
| $150,000 - $249,999 | % p.a. | % p.a. | % p.a. |
| $250,000 - $499,999 | % p.a. | % p.a. | % p.a. |
| $500,000 - $749,999 | % p.a. | % p.a. | % p.a. |
| $750,000 - $999,999 | % p.a. | % p.a. | % p.a. |
| $1 Million + | % p.a. | % p.a. | % p.a. |
Fixed Rate Home Loan - Principal & Interest Repayments
For our Owner Occupier Home Loan interest rates with Interest Only repayments, please see Owner Occupier (Interest Only) Home Loan Interest Rates.pdf
Get an Advantage Package* discount on Balances $150,000+
| Term | Annual rate - Principal & Interest | Comparison rate1 (secured loan) | Advantage Package* Discount | Fixed Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|---|---|
| 1 year fixed | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |
| 2 year fixed | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |
| 3 year fixed | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |
| 4 year fixed | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |
| 5 year fixed | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |
Basic Home Loan - Annual rate- Principal & Interest Repayments
For our Owner Occupier Home Loan interest rates with Interest Only repayments, please see Owner Occupier (Interest Only) Home Loan Interest Rates.pdf.
| Term |
Annual rate – Principal & Interest |
Comparison rate1 |
|---|---|---|
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 0.73% p.a. off the Basic Home Loan Rate |
% p.a. | % p.a. |
Basic Home Loan Rate
|
% p.a. | % p.a. |
Low Doc Home Loan – Principal & Interest Repayments
For our Owner Occupier Home Loan interest rates with Interest Only repayments, please see Owner Occupier (Interest Only) Home Loan Interest Rates.pdf.
| Term |
Annual rate -Principal & Interest |
Comparison rate1 |
|---|---|---|
Variable Rate
|
% p.a. | % p.a. |
Fixed Rate
|
||
1 year fixed
|
4.54% p.a. | 5.59% p.a. |
3 year fixed
|
4.00% p.a. | 5.28% p.a. |
| 5 year fixed | 4.14% p.a. | 5.12% p.a. |
Other loans
Portfolio Loan
| Balances |
Variable rate |
|---|---|
| All balances | % p.a. |
| Get an Advantage Package* special discount on Balances $150,000+ | |
| Balances |
Advantage Package* Limited Time Special Discount# |
Standard Variable Rate with Advantage Package* Limited Time Special Discount# |
|---|---|---|
| $150,000 - $249,999 | % p.a. | % p.a. |
| $250,000 - $499,999 | % p.a. | % p.a. |
| $500,000 - $749,999 | % p.a. | % p.a. |
| $750,000+ | % p.a. | % p.a. |
| Get an Advantage Package* special discount on Balances $150,000+ | ||
| Balances |
Standard Advantage Package* Discount |
Variable Rate with standard Advantage Package* Discount |
|---|---|---|
| $100,000 - $149,999 | % p.a. | % p.a. |
$150,000 - $249,999 |
% p.a. | % p.a. |
| $250,000 - $499,999 | % p.a. | % p.a. |
$500,000 - $749,999 |
% p.a. | % p.a. |
| $750,000 - $999,999 | % p.a. | % p.a. |
$1 Million +
|
% p.a. | % p.a. |
| Get an Advantage Package* special discount on Balances $150,000+ | ||
Portfolio Loan Fixed Rate sub-accounts
| Term |
Annual rate | Advantage Package* Discount | Fixed Rate with Advantage Package* |
|---|---|---|---|
| 1 year fixed | 4.79% p.a. | 0.15% |
4.64% p.a. |
| 2 year fixed | 4.04% p.a. | 0.15% | 3.89% p.a. |
| 3 year fixed | 4.14% p.a. | 0.15% | 3.99% p.a. |
| 4 year fixed | 4.99% p.a. | 0.15% | 4.84% p.a. |
| 5 year fixed | 4.24% p.a. | 0.15% | 4.09% p.a. |
Relocation Home Loan
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| With end loan | 5.33% p.a. | % p.a. |
| Without end loan | 5.33% p.a. | 5.51% p.a. |
Seniors Access Home Loan
| Annual rate | Comparison rate1 |
|---|---|
| % p.a. | % p.a. |
|
| Term | Annual rate – Principal & Interest |
Comparison rate1 |
|---|---|---|
| Variable Rate | % p.a. | % p.a. |
| Fixed Rate | ||
| 1 year fixed | % p.a. | % p.a. |
| 2 year fixed | % p.a. | % p.a. |
| 3 year fixed | % p.a. | % p.a. |
| 4 year fixed | % p.a. | % p.a. |
| 5 year fixed | % p.a. | % p.a. |
How to apply
Important information
Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:
- Residential Loan Agreement - General Terms and Conditions
- Loan Accounts - Charges for specific services and accounts and
- Portfolio Loan Agreement - General Terms and Conditions and
Your welcome letter, which contains the loan offer and other information such as interest rates and fees.
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.
* Advantage Package: Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.
# 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 http://www.banksa.com.au/personal/home-loans/our-home-loans/popular/advantage-package.
Basic Home Loan Promotional Rate: Special limited time discounted Basic Home Loan offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 23 August 2016. Offer current as at 23 August 2016. Interest rates subject to change (and margins may apply). Refer to info.banksa.com.au/homeloans or call us for more information on current offers available. This is a current offer which may be varied or withdrawn at any time. If you apply after this offer has been withdrawn the interest rate which will apply is the standard Basic Variable Rate without any discount. Applicable to new loan applications only (excluding internal refinances) and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.
## 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 info.banksa.com.au/homeloans or call us 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.