Home loan interest rates
Standard Variable Rate - Owner Occupier
| Balances | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| All balances | 5.35% p.a. | 5.52% p.a. |
| Interest only | ||
| All balances |
5.94% p.a. | 6.10% 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. | 4.75% p.a. | 5.14% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 4.55% p.a. | 4.95% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 4.50% p.a. | 4.90% p.a. |
| $750,000+ | 0.90% p.a. | 4.45% p.a. | 4.85% p.a. |
| Interest only | |||
| $150,000 - $249,999 | 0.60% p.a. | 5.34% p.a. | 5.72% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.14% p.a. | 5.52% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.09% p.a. | 5.48% p.a. |
| $750,000 + | 0.90% p.a. | 5.04% p.a. | 5.43% 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. | 5.10% p.a. | 5.49% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 4.85% p.a. | 5.24% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 4.65% p.a. | 5.04% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 4.65% p.a. | 5.04% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 4.65% p.a. | 5.04% p.a. |
| $1 Million + | 0.70% p.a. | 4.65% p.a. | 5.04% p.a. |
| Interest only |
|||
| $100,000 - $149,999 | 0.25% p.a. | 5.69% p.a. | 6.06% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.44% p.a. | 5.82% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.24% p.a. | 5.62% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.24% p.a. | 5.62% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.24% p.a. | 5.62% p.a. |
| $1 Million + | 0.70% p.a. | 5.24% p.a. | 5.62% p.a. |
Fixed Rate Home Loan - Owner Occupier
| 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. | 5.41% p.a. | 0.15% p.a. | 4.09% p.a. | 5.17% p.a. |
| 2 year fixed | 4.00% p.a. | 5.26% p.a. | 0.15% p.a. | 3.85% p.a. | 5.06% p.a. |
| 3 year fixed | 4.00% p.a. | 5.15% p.a. | 0.15% p.a. | 3.85% p.a. | 4.97% p.a. |
| 4 year fixed | 4.54% p.a. | 5.23% p.a. | 0.15% p.a. | 4.39% p.a. | 5.08% p.a. |
| 5 year fixed | 4.54% p.a. | 5.18% p.a. | 0.15% p.a. | 4.39% p.a. | 5.05% p.a. |
| Interest only | |||||
| 1 year fixed | 4.74% p.a. | 5.98% p.a. | 0.15% p.a. | 4.59% p.a. | 5.73% p.a. |
| 2 year fixed | 4.64% p.a. | 5.85% p.a. | 0.15% p.a. | 4.49% p.a. | 5.64% p.a. |
| 3 year fixed | 4.74% p.a. | 5.77% p.a. | 0.15% p.a. | 4.59% p.a. | 5.59% p.a. |
| 4 year fixed | 5.14% p.a. | 5.82% p.a. | 0.15% p.a. | 4.99% p.a. | 5.66% p.a. |
| 5 year fixed | 5.24% p.a. | 5.80% p.a. | 0.15% p.a. | 5.09% p.a. | 5.67% p.a. |
Basic Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
Basic Home Loan Promotional Discounted Rate Special offer^^ Rate includes 1.08% p.a. off the Basic Home Loan Rate |
3.69% p.a. | 3.70% p.a. |
| Basic Home Loan Rate | 4.77% p.a. | 4.82% p.a. |
| Interest only | ||
| Basic Home Loan Rate | 5.36% p.a. | 5.41% p.a. |
Relocation Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Interest only | ||
| With end loan | 5.94% p.a. | 6.10% p.a. |
| Without end loan | 5.94% p.a. | 6.16% p.a. |
Standard Variable Rate - Residential Investment
| Balances | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| All balances | 5.92% p.a. | 6.08% p.a. |
| Interest only | ||
| All balances |
6.46% p.a. | 6.62% 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. | 5.32% p.a. | 5.70% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.12% p.a. | 5.50% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.07% p.a. | 5.46% p.a. |
| $750,000+ | 0.90% p.a. | 5.02% p.a. | 5.41% p.a. |
| Interest only | |||
| $150,000 - $249,999 | 0.60% p.a. | 5.86% p.a. | 6.23% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.66% p.a. | 6.04% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.61% p.a. | 5.99% p.a. |
| $750,000+ | 0.90% p.a. | 5.56% p.a. | 5.94% 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. | 5.67% p.a. | 6.04% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.42% p.a. | 5.80% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.22% p.a. | 5.60% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.22% p.a. | 5.60% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.22% p.a. | 5.60% p.a. |
| $1 Million + | 0.70% p.a. | 5.22% p.a. | 5.60% p.a. |
| Interest only |
|||
| $100,000 - $149,999 | 0.25% p.a. | 6.21% p.a. | 6.58% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.96% p.a. | 6.33% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.76% p.a. | 6.13% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.76% p.a. | 6.13% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.76% p.a. | 6.13% p.a. |
| $1 Million + | 0.70% p.a. | 5.76% p.a. | 6.13% p.a. |
Fixed Rate Home Loan - Residential Investment
| 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. | 5.95% p.a. | 0.15% p.a. | 4.49% p.a. | 5.71% p.a. |
| 2 year fixed | 4.14% p.a. | 5.74% p.a. | 0.15% p.a. | 3.99% p.a. | 5.53% p.a. |
| 3 year fixed | 4.34% p.a. | 5.65% p.a. | 0.15% p.a. | 4.19% p.a. | 5.47% p.a. |
| 4 year fixed | 5.04% p.a. | 5.77% p.a. | 0.15% p.a. | 4.89% p.a. | 5.61% p.a. |
| 5 year fixed | 4.74% p.a. | 5.58% p.a. | 0.15% p.a. | 4.59% p.a. | 5.45% p.a. |
| Interest only | |||||
| 1 year fixed | 4.54% p.a. | 6.42% p.a. | 0.15% p.a. | 4.39% p.a. | 6.17% p.a. |
| 2 year fixed | 4.44% p.a. | 6.23% p.a. | 0.15% p.a. | 4.29% p.a. | 6.01% p.a. |
| 3 year fixed | 4.69% p.a. | 6.12% p.a. | 0.15% p.a. | 4.54% p.a. | 5.94% p.a. |
| 4 year fixed | 5.34% p.a. | 6.22% p.a. | 0.15% p.a. | 5.19% p.a. | 6.06% p.a. |
| 5 year fixed | 5.04% p.a. | 6.01% p.a. | 0.15% p.a. | 4.89% p.a. | 5.87% p.a. |
Basic Home Loan - Residential Investment
| Term | 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 |
4.24% p.a. | 4.25% p.a. |
| Basic Home Loan Rate | 5.34% p.a. | 5.39% p.a. |
| Interest only | ||
Basic Home Loan Promotional Discounted Rate Special offer^ Rate includes 0.8% p.a. off the Basic Home Loan Rate |
5.08% p.a. | 5.09% p.a. |
| Basic Home Loan Rate | 5.88% p.a. | 5.93% p.a. |
Portfolio Loan - Residential Investment
| Balances |
Variable rate |
|---|---|
| All balances | 6.58% 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. | 5.98% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.78% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.73% p.a. |
| $750,000+ | 0.90% p.a. | 5.68% 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 | 0.25% p.a. | 6.33% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 6.08% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.88% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.88% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.88% p.a. |
| $1 Million + | 0.70% p.a. | 5.88% p.a. |
Get an Advantage Package* discount on Balances $150,000+
Portfolio Loan Fixed Rate sub-accounts
| Term | Annual rate | Advantage Package* Discount | Fixed Rate with Advantage Package* |
|---|---|---|---|
| Interest only | |||
| 1 year fixed | 4.54% p.a. | 0.15% p.a. | 4.39% p.a. |
| 2 year fixed | 4.44% p.a. | 0.15% p.a. | 4.29% 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 | 5.04% p.a. | 0.15% p.a. | 4.89% p.a. |
Relocation Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Interest only |
||
| With end loan | 6.46% p.a. | 6.62% p.a. |
| Without end loan | 6.46% p.a. | 6.68% p.a. |
|
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| Variable Rate | 6.67% p.a. | 6.92% p.a. |
| Fixed Rate | ||
| 1 year fixed | 5.99% p.a. | 6.85% p.a. |
| 2 year fixed | 5.99% p.a. | 6.78% p.a. |
| 3 year fixed | 6.09% p.a. | 6.75% p.a. |
| 4 year fixed | 6.39% p.a. | 6.82% p.a. |
| 5 year fixed | 6.39% p.a. | 6.79% p.a. |
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How to apply
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 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 example(s) 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 Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transactional account.
# Special discounts:
The special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate taken as part of an Advantage Package Home Loan. The current offers may be varied or withdrawn at any time. The special interest rate discounts are inclusive of the standard Advantage package discount. If you apply after the end of this offer the standard Advantage Package discounts will apply.
^ 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.