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Self-serve in your own time

Check out all the things you can do with in the BankSA App and Internet Banking:

  • Redraw
  • Adjust recurring payments 
  • Switch to eStatements 
  • Check my interest rate
  • Switch to a fixed rate
  • View my fixed rate expiry options
  • Make a builder’s progress payment

Logon to manage your home loan with our App or Internet

Go to your dashboard

In the BankSA App, select your home loan and choose from the options under the ‘services’ menu.

 

In Internet Banking, you can also use the search bar or select your home loan and then select Quick Links. 

Choose your option

Select from the services available from your search results or internet banking quick links, and follow the steps.

Need help?

Can't find what you're looking for? Call us on 1300 304 660 or just book an appointment. We'll help you with your request.

Get in touch to make any of these 5 changes

Set up or change a Direct Debit

Direct Debits help ensure you never pay fees or charges for missing repayments. Plus, if your variable rate minimum repayment changes, payments update automatically. To set up or change a Direct Debit, please complete the request form at least 10 working days before your next payment is due: Direct debit request PDF (PDF 162KB).
 

Link offset accounts

You can set up and link multiple offset accounts which gives you the freedom to separate your savings. Simply call 1300 304 660 8am-8pm, Mon-Sat (AEST) or book appointment.
 

Change your home loan to Interest Only (IO)

Repaying the Principal & Interest? You could free up some short-term cash by switching to up to 5 years on Interest Only repayments (up to 10 years for investors). Bear in mind, this option means paying more interest in the long-term. Call 1300 304 660 8am-8pm, Mon-Sat (AEST) or book appointment.
 

Reduce your home loan repayments 

Going through a key lifestyle event, like parental leave? You could apply to lower your minimum repayments by up to 50% for a period of 3 to maximum of 12 months. 

Conditions, eligibility and suitability criteria apply. 

  • At the end of the term, your minimum repayments will increase to ensure you repay your loan within its original term. 
  • Interest is capitalised. This means whatever interest you would've normally paid during the Reduced Repayment term will continue to accrue and be added to the balance. So your outstanding balance will increase, and you'll pay more interest over the life of the loan. 
  • You can use this feature up to twice during the life of the loan, and we’ll need to assess your eligibility. 

 

Repayment Holiday 

Need some breathing space? If you’ve already made extra payments towards your loan, you could arrange to miss a payment or make a reduced payment.

 

I want to...

By making extra repayments to your home loan account, whether as regular additional amounts above the minimum, or as lump sum, you'll pay off your loan faster and build up funds that could come in handy in case anything unexpected happens. 

  • With a variable rate home loan, you can make unlimited extra repayments.
  • With a fixed rate loan, you have a total repayment limit of $30k during your fixed term (there may be break costs1 if exceeded)
  • If you’re ahead on repayments and have already registered for redraw2, you’ll have ‘Available’ funds in your home loan which you can tap into when you need it.

See how we can help with your next move

Fund renos or buy another property

There are plenty ways you could finance your plans:

Article: building & renovation home loan options

Take my loan with me to my next home

You could use your home loan’s portability feature (AKA ‘substitution of security’) to swap the property securing your loan from one property to another, saving you the hassle and cost of refinancing. Also applies to fixed rate loans, so there are no break costs. You could also consider increasing your loan amount before porting to cover the new property purchase.

More about how to use portability

To get started, call 1300 304 660 8am-8pm, Mon-Sat (AEST) or request a call back.

Your insights & support

My property insights

Get your free Property Report for trends and estimated property values by postcode.

Help me review my loan

Use our home loan selector to ensure your home loan’s still suitable. Or book an appointment.

Ways to lower mortgage stress

Get support and helpful guidance to assess your current circumstances, which could include reducing your minimum repayments or applying for financial hardship assistance.


Important information

Conditions, credit criteria, fees and charges apply. Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 110KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Key Fact Sheet for Home Loans

Before using Internet, Mobile or Phone Banking, please read the BankSA Internet and Phone Banking Terms and Conditions and Important Information.

1Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 76KB).

2Redraw facility: if you have 'available funds' (you’re ahead on your home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 736KB) for full details.

**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.

#Advantage Package: Terms & Conditions (PDF 434KB) apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. Before deciding to acquire a BankSA transaction account, read the terms & conditions, and consider if the product is right for you.

Repayment options: Conditions, eligibility and suitability criteria apply.

  • Reduced Repayments: Reduction of up to 50% available for 3 to 12 months on variable home loans held with us for over 12 months. It is important to understand that at the end of the reduced repayment period, the repayment amount will increase to adjust for the reduced repayments. This ensures that the loan is still repaid within its original term.
  • Repayment Holiday: If you’ve made extra home loan repayments in the past and you’d like to take a break, you could consider choosing to miss a payment or make a reduced payment, provided the available funds are enough to cover the scheduled payment.
  • Switching to Interest Only repayments: It’s important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only period as the amount you’ve borrowed will need to be paid back in a shorter timeframe. This also means you’ll pay more interest over the life of the loan on Interest Only repayments than if you’d opted to continue paying principal and interest.