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Owner Occupier rates

Standard Variable Rate - Owner Occupier

  Annual Rate   Comparison rate1
Principal & Interest
Standard rate 4.55% p.a. 4.72% p.a.
Interest only
Standard rate 5.14% p.a. 5.31% p.a.


Standard Variable Rate
  - Owner Occupier with Advantage Package*

  Annual Rate including
Advantage Package* Discount
of 1.31% p.a.
Comparison rate1
Principal & Interest
Standard rate 3.24% p.a. 3.67% p.a.
Interest only
Standard rate 3.83% p.a. 4.24% p.a.


Basic Home Loan
 - Owner Occupier

Term Annual Rate   Comparison rate1
Principal & Interest
Special offer^ discount of 1.33% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate
2.64% p.a. 2.66% p.a.
Interest only
Special offer^^ discount of 0.57% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate 3.99% p.a. 4.00% p.a.

Residential
Investment rates


Standard Variable Rate  - Residential Investment

  Annual Rate   Comparison rate1
Principal & Interest
Standard rate 5.12% p.a. 5.29% p.a.
Interest only
Standard rate 5.41% p.a. 5.58% p.a.


Standard Variable Rate  - Residential Investment with Advantage Package*

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

  Annual Rate including
Advantage Package* Discount of 1.31% p.a.
Comparison rate1
Principal & Interest
Standard rate 3.81% p.a. 4.22% p.a.
Interest only
Standard rate 4.10% p.a. 4.51% p.a.


Basic Home Loan
- Residential Investment

  Annual Rate   Comparison rate1
Principal & Interest
Special offer^^^ 1.45% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate 3.09% p.a. 3.11% p.a.
Interest only
 

Special offer^^^^ 1.54% p.a. off the Basic Home Loan rate is included in the below rates.
Standard rate 3.29% p.a. 3.31% p.a.

Existing Home Loan Rates

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.

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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 Interest 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 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.

2 For sale products only

*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 (PDF 338KB), and consider if the product is right for you.

^ 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 5/06/2020. 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 Owner Occupier Basic Home Loan applications with Interest Only repayments received from 5/06/2020. 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 Principal and Interest repayments received from 5/06/2020. 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 5/06/2020. 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.