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Our home loans

We have home loans for a number of circumstances ranging from standard home loans to loans for the self-employed

Advantage Package

  • A package deal for your home loan, credit card and transaction account
  • Save with package discounts on home loan interest rates and fees1
  • Your 3 most important accounts in one spot.

Standard Variable Rate Loan

  • Get a competitive variable interest rate without being locked in for a set term
  • Great features including full interest offset and redraw
  • Flexible repayment options.

Fixed Rate Home Loan

  • Protect yourself from rising interest rates with a Fixed Rate Home Loan
  • Choose a fixed rate for 1 to 5 years
  • Save with a partial interest offset.

Portfolio Loan

  • Portfolio Loan is a flexible line of mortgage credit that combines your personal and investment finances into one home loan
  • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.

Basic Home Loan

  • A basic, no frills home loan with a low variable interest rate
  • $0 monthly establishment fee special offer for a limited time^
  • $0 monthly service fee
  • Flexible repayment options.

Low Doc Home Loan

  • Ideal for self-employed people or business owners
  • Choose a Fixed Rate, a Variable Rate or a combination of both for your Low Doc Home Loan.

Relocation Loan

  • A Relocation Home Loan removes the stress of timing the sale of your existing property with the purchase of your new property
  • Use a Relocation Loan to pay for the deposit on the new property and then borrow the balance at settlement, plus additional expenses like stamp duty and removalist costs.

Seniors Access Home Loan

  • Only available to homeowners who are at least 63 years of age
  • Apply to borrow from $10,000 to $250,000 depending on the age of all applicants, your property’s value (which BankSA will determine) and its location.

Super Fund Home Loan

  • Suitable for those who already have a Self Managed Super Fund (SMSF) or are planning to establish a SMSF
  • Use a SMSF to borrow and invest in real estate that is residential investment property – this may be a strategy to diversify your investment portfolio and accelerate wealth creation.

How to apply

Important information

This offer is only available for new Basic Home Loan applications received from 25 February 2014. This is a current offer which may be withdrawn at any time. If you apply after the end of this offer the interest rate which will apply is the standard Basic Variable Rate without any discount. This offer does not apply to internal refinances and is not transferable between loans, and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

1. Advantage Package annual fee of $395 applies, other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.
2. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.