Home loans with credit card and offset account

Why?
Features
Rates & fees
Details

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Why choose Advantage Package?

Save when you package a home loan, credit card and transaction account

Discount on interest rates

Save up to 0.90 p.a. off our standard variable rate home loan with Advantage Package for loans of $750,000 of more²

All-in-one package

Combine a home loan, credit card, and transaction account to create your all-in-one package.

Special offers

$2,000

Cash back^
When you
refinance

Receive $2,000 cash back^{^} when you refinance to a new Owner Occupied, Principal & Interest or Investment home loan under the Advantage Package. $395 annual package fee and a $200k minimum loan size applies. Excludes Portfolio Loans and refinances from within Westpac Group. Applications received from 8 October 2018 and settled by 31 December 2018.

$1,500

Cash back*
When you
buy a home

Receive $1,500 cash back^* when you apply for a new Owner Occupied (Principal & Interest) or Investment home loan under the Advantage Package. $395 annual package fee and a $200k minimum loan size applies. Excludes Portfolio Loans and refinances. Applications received from 7 November 2018 to 31 December 2018, with loans settled by 28 February 2019.

What else do I need to know?

$2,000 Refinance Cash back offer
^For new home loan applications received from 8 October 2018, and settled by 31 December 2018 for refinance purposes under the Advantage Package. Offer current as at 15 October 2018. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans and refinances from within Westpac Group which include BankSA, Westpac, St.George Bank, Bank of Melbourne and RAMS. Offer not available for Owner Occupier Interest Only loans. Advantage Package Terms and Conditions and a $395 annual package fee apply. Offer can be used in conjunction with the new purchase cash back, with maximum one new purchase cash back and one refinance cash back payable per main applicant, and not available in conjunction with any other special offers. Applicants must have a BankSA transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cash back will be paid into this account within 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters

$1,500 New Purchase Cash back offer
*For new home loan applications received from 7 November 2018 to 31 December 2018 and settled by 28 February 2019 under the Advantage Package. Offer current as at 7 November 2018. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, refinances and Owner Occupied Interest Only loans. Advantage Package Terms and Conditions and a $395 annual package fee apply. Offer can be used in conjunction with the refinance cashback, with maximum one new purchase cash back and one refinance cash back payable per main applicant, and not available in conjunction with any other special offers. Applicants must have a BankSA transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cash back will be paid into this account within 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

You also get...

$0 Home loan establishment fee

$0 Monthly home loan administration fee

$0 Annual credit card fee

$0 monthly transaction account-keeping fee

when you link your Complete Freedom account

$0 Monthly full offset service fee

Owner occupier

3.85% p.a

2 year Fixed Rate
with Advantage Package.³
Principal & Interest repayments.
5.06% p.a Comparison rate⁴

Residential Investment

3.99% p.a
2 year Fixed Rate
with Advantage Package.³
Principal & Interest repayments.
5.53% p.a Comparison rate⁴

Annual Fees

$395 This single fee covers up to 5 home or investment loans¹.

How it works

You don’t have to know each product you want before you apply online. Our home loan experts can help you find the right mix for you.

Choose a Home Loan

Choose a Credit Card

Choose a Bank Account

Apply online

The Detail

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.

Advantage package

Terms and Conditions.

Portfolio Loan Agreement

General Terms and Conditions.

A simple way to apply for a BankSA home loan

Borrowing power

Find out your buying power so you could start house hunting with confidence – we’ll even show you what you could afford to spend on a property and costs involved.

Our lowest rate

We’ll give you our lowest rate upfront, personalised to your buying scenario.

Property valuation

If you’ve found the perfect property (or you’re refinancing), we will complete a real-time bank valuation to give you the confidence we will lend against the property.

Real support

Need help? You can live chat with us to help you complete the application 7 days a week (even outside of business hours).

Talk to us

Enquire online

A BankSA home loan expert will call you back.

Find a lender

Find your nearest branch or mobile lender.

Not right? Try these

Basic

A no frills loan

Fixed Rate

Lock in your rate

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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 (PDF 784KB)

Loan Accounts - Charges for specific services and accounts (PDF 1MB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 292KB)

BankSA Advantage Package - Terms and Conditions (PDF 498KB)

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.

The Advantage Package will support up to 10 Portfolio sub-accounts in a Package and up to 5 sequence loans (e.g. loans with Flexible Choice). Note when Lenders Mortgage Insurance (LMI) applies, only single sequence loan or Portfolio Loans can be Packaged.
Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. The interest rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package.
The comparison rate is based on a loan of $150,000 over a 25 year term. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. 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.

Credit criteria, fees and charges apply. Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines. Personalised rate: variable interest rates are subject to change, the rate discount is valid for 14 days. For fixed rates, discounts are valid for 5 days. Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun. BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Advantage Package